Personally, I think the topic of "exploring the supplementary function of commercial endowment insurance to endowment insurance" is quite good, and the scope can be wide or narrow, which is very close to the national conditions. Suggestions can be elaborated from these aspects:

1. First of all, it expounds the function of social basic endowment insurance and the basic national policy of the state on social insurance;

2. According to the national policy of "low level and wide coverage" of China's basic social endowment insurance, the supplementary role of commercial endowment insurance is cut in;

3. Analyze the implementation conditions and living soil of commercial endowment insurance from the perspective of savings;

4. From the aspects of the guarantee function of the commercial endowment insurance, the cash value function of the policy and the support policies given by the state, this paper expounds that the commercial endowment insurance plays an irreplaceable role in the pension reserve function.

5. Summarize the relationship between social basic old-age insurance and commercial old-age insurance from the perspective of first basic and then rich.