120 yuan's training materials costs are a bit wild, so I won't say it; 130 yuan's research fee is very black. As far as I know, the registration fee for this exam is 60 yuan, followed by the certificate fee 10 yuan. Taking you 130 is obviously hacking you.
300 yuan's margin is very common in the industry. It is clearly stipulated by the state that the employer shall not charge the employee a deposit. However, insurance salesmen themselves are not formal employees of insurance companies, and there is no legal labor relationship with insurance companies. This actually involves the deep-seated problem of the insurance industry, that is, the legal status and relationship between insurance salesmen and insurance companies are not equal.
If you really want to do insurance in Xinhua, then these conditions must be met and there is no room for bargaining. 300 yuan deposit is non-refundable, which is the guild regulations. I really won't pay you the rest.