In insurance pricing, which of the following factors affects the surcharge of life insurance products?

They consider factors such as:

Business insurance policies of insurance companies: To maintain competitiveness in product fees, insurance companies may advocate low insurance premiums to attract customers, but they must also accept benefits. Business profits will not be positive. Therefore, depending on each specific stage, insurance companies need to apply business strategies.

Macroeconomic factors are based on many factors such as law, inflation, population, economic growth and interest, impact of science and technology.