First of all, the general situation is that enterprises must encounter difficulties first if they want to upgrade. This is a frog boiled in warm water. The normal situation is the horizontal transformation from product sales to service industry, as well as the vertical transformation from upstream to downstream; Upgrading is called doubling the profit. If you just expand the performance and market or slightly increase the profit, it is not an upgrade.

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