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The alternative phrase that has the same meaning as 保险 (bǎoxiǎn) is 保障 (bǎozhàng). It means "to guarantee; to protect; to safeguard".
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保险 (bǎoxiǎn) is usually used to refer to insurance, such as life insurance, health insurance, or car insurance. For example, one might say: "我买了一份保险 (wǒ mǎile yī fèn bǎoxiǎn) - I bought an insurance policy."
It can also be used to refer to something being reliable or safe. For example, one might say: "这个投资很保险 (zhège tóuzī hěn bǎoxiǎn) - This investment is very safe."
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