Go to website to do a search, and you will find a lot of reasons not to do this “保险”理财.
The better options are: separate life insurance with investment.
A term life insurance may be the one you need. If you already have the term life insurance (1-2 times your salary), you should be fine, or you can buy more through this company term life insurance.
There are too many investment options for you - 401K, Roth IRA, IRA, etc. Find a good investment company (Fidelity, Vanguard, etc.), and buying no load mutual funds fits most of peoples (I prefer index funds).