Analysis of test questions: Commercial insurance is an investment to avoid risks. Therefore, the BCD entry is wrong. Choose item a in this question.

Comments: This question aims to test students' understanding of commercial insurance knowledge. The difficulty is moderate. The key to scoring lies in grasping the meaning of the topic. This kind of examination questions examines students' understanding of some economic knowledge in daily life, with the aim of allowing students to reflect on what they have learned through book knowledge, so as to deepen their mastery of knowledge. This type often appears in college entrance examination questions, so pay attention to it.