【中文版】

保险是一种经济合同，它通过集合风险和分散风险的方式，为个人或企业提供经济保障。保险的三大功能是保障、储蓄和投资。

首先，保险的保障功能是最基本的功能。通过购买保险，个人或企业可以获得一定的经济赔偿，以应对意外事故、自然灾害、疾病等不可预测的风险。保障功能是保险的核心功能，它可以帮助人们解决经济上的后顾之忧，提高生活和生产的安全性和稳定性。

其次，保险的储蓄功能是指保险可以为个人或企业提供一定的资金储备。在长期保险合同中，投保人可以通过定期缴纳保险费，逐渐积累一定的资金，以备未来之需。这种储蓄方式不仅可以帮助人们解决资金短缺的问题，还可以为未来的养老和医疗提供一定的保障。

最后，保险的投资功能是指保险可以为个人或企业提供一定的投资收益。一些投资型保险产品可以通过投资股票、债券等金融工具来获取收益，从而实现保值增值的目的。这种投资方式可以帮助人们实现财富的增值和传承。

综上所述，保险的三大功能是保障、储蓄和投资。这三大功能相互联系、相互补充，为个人和企业提供全面的经济保障。在选择保险产品时，应根据自身情况和需求选择适合自己的保险产品。

【英文版】

Insurance is an economic contract that provides economic security to individuals or enterprises by pooling and spreading risks. The three major functions of insurance are protection, savings, and investment.

Firstly, the protection function of insurance is its most basic function. By purchasing insurance, individuals or enterprises can obtain a certain amount of economic compensation to cope with unpredictable risks such as accidents, natural disasters, diseases, etc. The protection function is the core function of insurance, which can help people solve their economic worries, improve the safety and stability of life and production.

Secondly, the savings function of insurance refers to the fact that insurance can provide individuals or enterprises with a certain amount of financial reserves. In long-term insurance contracts, policyholders can gradually accumulate certain funds by paying insurance premiums regularly for future needs. This savings method can not only help people solve the problem of shortage of funds but also provide a certain guarantee for future retirement and medical care.

Finally, the investment function of insurance refers to the fact that insurance can provide individuals or enterprises with a certain investment return. Some investment-type insurance products can obtain returns through investing in financial instruments such as stocks and bonds, thereby achieving the purpose of preserving and increasing value. This investment method can help people realize the increase and inheritance of wealth.

In summary, the three major functions of insurance are protection, savings, and investment. These three functions are interconnected and complementary, providing comprehensive economic security for individuals and enterprises. When choosing insurance products, we should choose the ones that suits our own situation and needs.