Nowadays, people always consider how to make more money in the risk, but they never think about their heath might has more risk than they think about.
Therefore, many kind of insurance companies make many kinds of insurances to attract people to choose their product. These kinds of product made many actuaries. These actuaries need to consider about more risk into this plan. They need to make sure that people can get more profits when they live during their life expand.
For example, in China, many insurance companies pay more time and money into people's health. They will provide people high reback during a time, but before they get this profits, people need to pay lots of money. It is an awesome way to make money. It use people's heart. It is because that after people make money, they will consider more about their health. If some accident happened to them, their family can also get a high profits. So these instance company will require them pay the money every year. This payment is just occupy a little position in people's wage. Therefore, more and more people choose to pay a part of wage to make sure their health in the future. It looks might a good deal. But the truth is that the insurance company get a high net profits from their customer. But I think non of them want to make this risk to avoid pay the money to insurance.
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