Buy an excellent wealth universal insurance of Taikang Life Insurance, 2000 yuan per year, and deposit the rest of the money in the insurance company as additional funds.

Or linked insurance. Ruitai's is better, or Jinsheng's is ok.

But if you need to use it at any time within five years, it is basically not particularly cost-effective. Insurance is an investment tool, which rises slowly at first and rises rapidly after 5 years 10. Five years is generally the initial stage of insurance, not only the investment effect has not yet appeared, but also there will be some expenses if you use the insured money casually.