why keywords related to insurance and loan give highest CPC?

ANSWER TO THE ABOVE QUESTION Advertising costs are based on the relative competition in online advertising. If companies start bidding higher than the other, the CPC costs go up. There is a good reason to increase their bids for companies that offer Insurance and Loans. Insurance and loans are long term commitments and the person if he decides to take up the loan / insurance it will generate recurring income for the company. They are paying for online advertising what they would pay for insurance/loans agents in normal scenario