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Is it legal for education and training institutions not to buy endowment insurance for full-time teachers?
Learning and thinking have higher requirements for teachers. Full-time teachers can of course go. As long as the teacher's ability meets the requirements of constant learning and thinking.

As mentioned above, full-time has a basic salary and needs to work; Full-time students don't have to attend classes, but only need classes and teaching and research;

So the composition of full-time salary: basic salary+class fee+bonus.

Full-time: class fee+bonus (full-time bonus is not so generous)

Other benefits and insurance are the same.

During working hours, full-time employees usually only have Monday off, have annual leave and need to be responsible for the operation of a certain part of the company. Preparing lessons and attending classes take precedence over operation.

Full-time teachers only need to prepare lessons in a unified way (usually Thursday, or Thursday plus Friday for half a day) and arrange time to attend classes.

If there are development opportunities, full-time is definitely better than full-time prospects. Because if you are only a full-time teacher, you can become an excellent teacher at most, with higher class fees and higher salary increase. If you are a full-time teacher, you can become an excellent teacher, but your chances in other aspects are much better than full-time teachers.

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