In terms of security, insurance is one of the safest investment targets, such as equivalent national debt and a single bank deposit of 500 thousand. In terms of yield, the current predetermined interest rate is 3.5% compound interest for life, and it is not a problem to outperform most people's investment. In terms of liquidity, some can quickly withdraw funds, and some can be flexibly insured or flexibly reduced. According to demand, different payment terms can achieve higher liquidity.