保険
ほけん · hoken · JLPT N1 · noun
insurance
🛡️ 保 = keep/protect + 険 = danger: insurance keeps you safe from danger
保 means keep or protect, and 険 means danger or risk. Together they describe guarding against loss, which is why the word covers both insurance and guarantee.
保 — person 亻 + 呆 (child/protect phonetic)
Originally an ideograph showing an adult carrying a child on the back, meaning to protect or shield. The right side 呆 evolved from a depiction of a swaddled infant. Over time the meaning broadened from 'protect a child' to 'preserve, guarantee, keep safe.'