In fact, whether you can apply for postgraduate study depends mainly on your relative level among your classmates, that is, your professional ranking and the number of places in your major, as well as the detailed rules for postgraduate study formulated by your college.
Baoyan does not look at the specific GPA figures, but at the professional rankings. The proportion of each school is different. You can ask the seniors or counselors about the specific regulations on the insurance research, including what can be added to make up for the problem that the freshman's grades are not good enough.