For me I don't need to choose since I can do both. Yes insurances is very important to us since it insures our family's life and health and at the same time you will earn profit from it. Cryptocurrency is another form of investment which can be also a source for other income. As long as you have enough capital to start with then try both investment. For example : use day trading but but need a good idea and good expirience to make profit. If you scared to invest today try to another day to ensure your money .