The point is that insurance is very important, because insurance will protect us when we experience conditions that can be alleviated by insurance. However, it is true that as you said there are many insurance companies, it is very important for us before entering insurance we must be selective in choosing an insurance company because there are also many naughty insurance companies that end up harming their customers.
Because basically the focus of insurance is to protect its customers from all life risks through financial planning that is in accordance with the needs of its customer's risk profile.
My reason for saying to be selective in choosing an insurance company is when I see examples of several people who have entered the wrong naughty insurance company so that when they need funds to be disbursed as soon as possible, the company cannot fulfill them. Even though our goal in entering insurance is to ease the burden of an accident or when we are seriously ill, if the insurance company we enter is a naughty company, of course we ourselves will be the ones who will be in trouble. So when we already know the importance of insurance, we also have to be selective in looking at the insurance company so that we don't get caught in the wrong company.