Yes, there is. It is the fees charged by the CIRC that rely on the agent qualification certificate, not the insurance company. Training fees are generally used to pay for materials, meals, accommodation and other expenses during training. That's not how insurance companies make money. It can be said that training is basically losing money, and most people do not cherish free training.

As for the deposit, it needs to be paid in the financial industry, in line with state regulations. Because this industry may cause losses to others, there must be a deposit.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.