First of all, you should see whether the unit of the first author or correspondence author of the paper is your school. If so, you can generally get extra points in the insurance research, but whether the fourth author can get extra points depends on the regulations of your school. If not, you won't get extra points. For example, if you follow the papers of teachers in other schools, your school will generally not admit it.

In addition, I think what you mean is whether it will be helpful for the insurance research or the postgraduate re-examination, and whether it will make the teacher think that you have scientific research experience. I think it depends on whether you really did something. I am engaged in scientific research, so I am quite clear that unless I write a paper on a big topic, the third author will involve friendship, and only the top three authors will appear in many searches. If you do this job, it will help if you can explain it clearly. If you do nothing, I think your teachers have brought graduate students, and they must know the depth of the head here. It is difficult to fish in troubled waters. For your reference