Investment means that insurance funds are invested in various assets, such as stocks, bonds and real estate. In order to obtain higher income, but it also faces certain risks. Underwriting means that insurance companies collect premiums from policyholders, establish insurance funds to provide protection for policyholders, and also need to conduct risk assessment and actuarial work. Insurance companies need to choose appropriate investment methods and underwriting business according to market conditions and their own actual conditions to ensure the safety and profitability of insurance funds.