But no product or project in the world can do these three things.
Take the bank as an example, it is safe and liquid, but it is not profitable.
Take stocks, securities and futures for example, there is no security if there is profitability (high risk) and liquidity (you can take it, but you don't necessarily dare to take it).
Insurance financing has high security income, but no liquidity. It belongs to something that is forced to save money.
In fact, insurance companies are safer than banks. Banks can be allowed to fail, but insurance companies can't.
Insurance financing needs time to change money. In the short term, you can't see the benefits. However, since insurance is compound interest, you need to lengthen the time axis to see the benefits, and the benefits will be very considerable.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.