Is it worth investing in dividend insurance? Critical illness insurance is divided into dividend insurance, and investment protection is correct. (1) is conducive to promoting the rapid development of China's basic industries and accelerating infrastructure construction, which is the only way to promote China's economic development. This requires huge capital demand, which is difficult to meet with national financial resources and bank credit. From the perspective of developed countries in the world, it is an effective way to realize the securitization of infrastructure financing, especially to use industrial investment funds to finance infrastructure development. If the industrial investment fund changes from small to large, the public's investment in basic industries will become a powerful supplement to the state's financial investment, which can cooperate with the state's investment and change the situation that China's basic industries are seriously lagging behind. At the same time, because basic industries and infrastructure are labor-intensive industries, they can also absorb a large number of industrial workers and ease the employment pressure of laid-off workers. (2) It is conducive to promoting the development of high-tech industries and emerging industries, changing the mode of economic growth, and relying mainly on science and technology rather than expanding the scale to achieve economic growth. High-tech industry is full of risks, so it has great limitations to rely on bank loans to support high-tech industry. It is a common practice in developed market economy countries to support high-tech industries in the form of venture capital. Venture capital has the advantages of taking risks and enjoying benefits, and is an effective way to support the development of science and technology, improve the content of science and technology in industrial fields and realize economic intensive development. (3) The difficulty in the reform of state-owned enterprises in China, which is conducive to the reform of state-owned enterprises and promotes the integration of industry and finance, lies in revitalizing the huge stock assets. Many large and medium-sized state-owned enterprises in trouble have high personnel quality and good production and operation environment, but due to the lack of a large amount of start-up funds, some high-tech and heavy products have lost market opportunities. If these enterprises can make use of their traditional advantages and re-enter the market under the impetus of industrial funds, they will be able to glow with great vitality and vitality. Industrial investment funds can invest in state-owned enterprises, and various enterprises can also buy securities holding industrial investment funds, thus promoting the integration of industrial capital and financial capital. (4) It is conducive to optimizing the capital market structure and strengthening the function of property rights constraint. According to relevant statistics, the savings of Chinese residents have reached more than 6 trillion yuan. With the continuous reduction of interest rates, savings and investment are increasingly separated, and residents' investment is diversified. In addition to bank deposits, more and more people invest in stocks, bonds and funds. The introduction of industrial investment funds broadens investment channels and can meet multi-level investment needs, thus optimizing the capital market structure. In the capital market, industrial investment funds can provide financing for unlisted enterprises in the form of equity, improve the property rights system and internal governance structure of unlisted companies, thus cultivating a large number of joint-stock companies with listing prospects and laying the foundation for the further development of the stock market. Industrial investment funds can also invest a certain proportion of funds in listed companies in the form of equity through the merger of state-owned shares and legal person shares, and supervise listed companies with strong capital strength and strong property rights constraints, so that the legal supervision system of the capital market can be based on effective economic supervision.