The insurance premium is closely related to the age and health condition of the insured. The insurance company usually requires the insured to take a physical examination, stipulates an observation period or agrees on a deductible, so the underwriting is very strict. When people are young and in good health, the premium is very favorable. However, when they get older and their physical condition becomes worse, it may be the time that the insurance company does not want to underwrite, or more premium is required. Therefore, only healthy people are qualified to buy insurance, and healthy people should buy insurance more.