The following points are for your reference and discussion is welcome. 1. Saving money by myself has the same effect as depositing money in a bank or insurance company, that is, how much money will I have after maturity. (Stocks, funds, and futures have greater risks than these, let’s not talk about them yet). However, the biggest advantage of having it in your own hands or depositing it in a bank is that it is the most flexible and can be used whenever you want. One disadvantage of insurance is that you cannot misappropriate it casually. Even if your best friend or relative lends you money, you cannot move it casually because you will suffer losses. In this way, insurance has the function of forcing savings. Of course, if you have a strong saving ability, don't recognize your relatives, can't borrow from anyone, and know how to invest, you may not need to buy savings insurance, but you should still buy protection insurance. 2. The insurance company emphasizes that in addition to the savings function, insurance has a protection function. For example, if you want to save 100,000 yuan, save 10,000 yuan every year. Put it in a bank, or keep it in your own hands, and if something happens to you in the fifth year (accident, serious illness, or other problems disappear), then you will only have 50,000. No matter how many tens of thousands you have saved in insurance, if something goes wrong, it will cost you 100,000. (Assume your insurance limit is 10W). So, insurance provides this protection, but deposits do not. Of course, nothing will happen to ordinary people (otherwise insurance companies would definitely not exist). 3. If we can assume that society and the economy are relatively stable (if there is chaos, don’t do anything, depositing gold directly may be the safest), we can also believe that risks do exist, and we can also trust insurance companies. The above conditions are all under the conditions established. There is really no need to just put our money in banks or invest it, because the risk is too great. 4. Regarding the inflation issue of savings insurance, this is not just an insurance issue. It is the same everywhere. The current situation is based on the current insurance. It will be easier for us to make money when there is inflation. All we need to do is add insurance. If there is a special situation, that is, inflation, but we happen to have an accident and we don't have time to add insurance, then there is nothing we can do. After all, insurance is not a panacea. 5. Insurance is the same as other financial management methods. They are not the best and have risks. Therefore, if we have spare money, we should do some selective things: banks, funds, stocks, self-investment, insurance, gold, real estate, etc. item. It’s better than just depositing your money in the bank.