Especially during the epidemic alert period, many insurance needs are still limited by legal regulations, and face-to-face services must be performed on-site, which also causes unnecessary contact risks for operators and consumers. Even if the video interview is open, the whole process still needs to be videotaped and handed over to the financial supervisory commission, which makes the review process more lengthy. At the same time, it also involves third-party testing for parts such as physical data, which affects the protection of personal information privacy. "For example, if a family of four wants to go out to play, if the child is over 7 years old and under 20 years old, there is no way for parents to purchase travel insurance or accident insurance for him online." the predicament explained that if there is no natural person certificate, the insured and the insured must be the same person, and there is also an age limit, and logo design an adult must be over 20 years old to apply for insurance. Even the deceased beneficiaries are limited to the immediate blood relatives, spouses and legal heirs, such as collateral blood brothers and sisters or cohabitants cannot be the beneficiaries. Li yahui explained that because the insured is limited to natural persons, "The company cannot insure employees. If you want to travel in groups, you still have to ask a salesperson to help you in person." even the total annual premiums paid for each property insurance policy is also limited to 100,000. Within the yuan. In other words, people still face problems such as high commodity equivalence and lack of selectivity when buying insurance online. They can only appeal to convenience and speed, and the policy products that can be selected are still mostly simple and low-complexity products.