Currently, when many insurance companies are introducing insurance products to the market, they often integrate several insurance products or combine multiple functions together and sell them in the form of a package. But are these "packaged" insurance packages truly optimized combinations, or are they forced sales with good and bad tied together? Insurance experts point out that consumers should not only listen to the sales pitches of insurance agents when subscribing, but also reasonably purchase the insurance they truly need according to their own actual situations.