Insurance is a good thing, but you can't just buy it. You should read the insurance clauses carefully. When you buy insurance, ask the salesman to tell you the benefits and responsibilities of insurance, and then sign it. You can record his words on the side. Once you sign it, it means that you approve the contract, so be careful. Because there are too many insurance salesmen who have no quality and are only for their own interests. There is nothing wrong with the insurance company. The mistake is that the following salesman misunderstood the classics.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.