Deposit insurance, in fact, all insurances have the function of forcing savings. Insurance is a good financial management habit.

As the cornerstone of family financial management, during periods of stable income or peak income, marginal income is regularly peeled off as a safeguard when risks arise, and this is what forced savings does.

As an investment tool, insurance has no investment risks.

The only risk is that the opportunity cost of investment is much higher than the interest rate.