When the insurance company quits midway, someone in the customer service department will take over to provide follow-up services. This kind of critical illness insurance is not bad. It partially guarantees dividends, that is, you save for a period of time, and then give you a coverage of 200,000, plus a little interest. With a little luck (their investment returns are higher), they may not even spend interest and have spare money. As for how much dividend can be paid after 20 years, the insurance dividend of this nature will be slightly less, depending on the operation of Taiping Life Insurance in these 20 years. The annual dividend interest rate of insurance companies in China is generally above 6%, and the higher is 8%. However, if you only look at dividends, it is not cost-effective to buy insurance. The key is the protection of "insurance". In case of serious illness, you don't have to worry about this 200 thousand.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.