The reason why I declare this first is that I know it better, and the second is to let you know that I am engaged in insurance, but the analysis is more objective.
The fund is unstable, and it is easy to release money, but the income is also fast (of course, the increase is relatively slow).
Insurance is definitely more stable than funds, and it has higher returns, so it doesn't need to be taken care of all the time. But the increase is fixed, which means that the fund may earn 1000 yuan a month and lose 1000 yuan next month. Insurance may increase by 1000 a year, but it will increase every year. As far as you are concerned, it is better to insure in high-risk industries. Insurance companies can settle claims.
Finally, if you like, I can recommend insurance for you. Of course, it's up to you.