InsuranceFund refers to a special fund set up by an insurance institution specializing in risk management by collecting insurance premiums according to laws or contracts, which is specially used for compensation of economic losses or payment of personal injuries caused by insurance accidents, and is a condition for insurers to fulfill their insurance obligations. The use of insurance funds mainly includes two aspects, one is the compensation for economic losses caused by insurance accidents, and the other is the economic payment for personal injury and loss of work ability. This kind of fund is the condition for insurers to fulfill their insurance obligations, and it is also a part of the whole social reserve fund system. To put it simply, fund insurance is an investment method with safeguard function.