You are talking about China Renshou Credit Suisse endowment assurance (dividend-paying). This is a pentathlon insurance, which provides protection against serious illness and accidents, with fixed return, dividends and expiration. Once the risk insurance company pays directly, there will be 12 kinds of serious illness protection within one year after the contract takes effect, and all of them will be taken out as supplementary value-added for the aged.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.