If it is a formal insurance company approved by the State Insurance Regulatory Commission, then there is no problem.
Dividend is certain, as long as he sells you dividend products. There will be dividends.
10-year-old products generally have returns, plus a small amount of dividends, especially low-yield products like yours. If the salesman tells you there is a high return, you should be careful.
If you have any questions about this company, you can check on the website of the CIRC to see if this company is a legally registered insurance company. Now some agents are making fake insurance policies, so you should pay attention.
China CIRC website: /web/site0/