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Insurance is a Chinese word. Its original meaning is safe and reliable protection. It was later extended into a protection mechanism. It is a tool used to plan life finances, a basic means of risk management under market economy conditions, and a financial system and an important pillar of the social security system.

Insurance means that the policy holder pays insurance premiums to the insurer in accordance with the contract, and the insurer assumes the liability for compensation for property losses caused by the possible accidents stipulated in the contract, or is A commercial insurance act that assumes the responsibility of paying insurance benefits when the insurer dies, becomes disabled, becomes ill, or reaches the age, term, and other conditions stipulated in the contract.