Suffering from banking crisis nowadays, new financial commodities are suspicious by many investors. Therefore, trading insurance commodities including pay insurance fee by whole payment or installment payment become trustworthy financial commodities by investors again. By way of the derivation of theoretical models and numerical analysis, several important finding are shown as below: First of all, the profit from traditional insurance policies is higher than other insurance policies. Secondly, the effect of initiative demand and induced demand are main concerns for price and profit of traditional policies and bonus policies. Thirdly, insurance companies might make progress to increase initiative demand and decrease induced demand to make maximum profit by adopting appropriate pricing strategy.