If it is parole, it is generally based on the percentage of naked points (because the comprehensive ranking has not been calculated when the materials are submitted), which has nothing to do with the grade point. People don't look at your grades. Even if your GPA is only 3.0, your major is the first, and you should have an advantage over a person with a GPA of 4.0 and a major of 10%. The difficulty of each school exam is different. The fair difference is that you rank among the people who take the same exam as you.
Insurance research is determined according to the different proportion of insurance research in different schools, colleges and even majors. If the proportion of insurance research is relatively low, for example, only 5%, your score should be in the top 5%, because there are other factors such as extra points for competitions and papers. If the proportion of graduate insurance in your college is relatively high, as far as I know, the proportion of graduate insurance in some science and engineering majors has reached 30%. In this case, it is possible to get graduate insurance with a GPA of around 3.7 and an average score of 85+.