Why do insurance companies often arrange travel?

I feel that there is something wrong with this mechanism, especially Ping An. It’s just that there hasn’t been a thunderstorm yet. Suddenly one day there is a thunderstorm, and the problem with the mechanism will be announced, and ordinary people will not notice it.

Imagine that you use the premiums paid to invest. Part of the money returned from the investment will be used for company operations, and part of it will be used to reward employees. Even if Ping An invests, they may not make all the money, so they can only use it for These incentives encourage employees to sell more insurance, and the cycle continues like this. When they can no longer survive, they throw the burden to the state for transfer and acquisition.

Of course, this is just a guess, and the specifics are based on reality