Not reliable, don't buy it. Just try to protect life and the right to life in Baidu. I bought a new year's life insurance. At that time, the salesman agreed to take out the principal and interest five years later, and now it is insurance. 8 1 year-old can get back the principal. Midway refund means early surrender, and you can't get back the principal.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.