On the concept of insurance

I graduated in 2008, and now I have been engaged in insurance marketing. I think insurance is good, but the sales method of insurance salesmen is not good. In particular, the basic law of every insurance company is based on the salesman's earning money, so it is a phenomenon that wages are paid as long as premiums are paid. It is precisely because of this that they try their best to mislead customers and defraud insurance premiums. So people hate insurance. Everyone really needs insurance, but insurance does not appear in the textbooks of primary school students, so people who can afford insurance think it is not important. For example, primary school students teach computer classes, so parents think that computers are necessary at home. Which pupil can buy a computer to study? Most people regard computers as game machines (an inevitable trend). If insurance can be written into primary school textbooks, when a major disaster occurs in China, the state will not have to bear so many expenses, which can be borne by commercial insurance companies.

Now, if we want to solve the universal problem of commercial insurance in China, we must work hard on the salary of insurance salesmen and implement the employee system.