Your mother is 52 years old, and the cost of buying critical illness insurance will be very high. It is estimated that it will pay 10 million a year, and it needs more than 9,000. It's not a good deal, but you should also consider your mother's health. If she is in good health now, it is unnecessary. If she is in poor health, she can still consider it, because "Jintai Life Insurance" has the function of free premium, and the contract will continue to be valid after payment.
Personally, I think it is wrong for your relatives to recommend you. The new "life in Hong Xin" in the Pacific is very good. You can really save a pension for your mother. "Hong Xin Life" will return all its principal at the age of 70, and will get 9% rebate every year since signing the contract, with a very high dividend.
I hope my answer is helpful to you. If you have any questions, please ask me directly and I will try my best to solve them.