Endowment with technically no maturity, your age 100 to be exact.
The 5 years limited pay option will double your money at year 20 which will give you a yield of about 3.43% (you can use rule 72 to estimate)
(assumption 4.75% investment return of Pru Par fund, i.e. to say you receive 20 years of "bonus letter" every year with this statement: "investment outlook for 201X is as such, and we are not making any changes to your bonus this year"
Example total investment $10k a year X 5 = $50,000
20 years cash value/ surrender value = approx $100,000
30 years cash value/ surrender value = approve $150,000
so on and so forth.
Basically to really breakeven and earn is anytime from the 20 years onwards.
Anytime before that you wanna cash out, is not worth it.
Might make sense if you are saving purely for your child education when they are 1 years old and if you do not need any insurance coverage.
Or after you have completed your planning for the next 19 years, and want to plan for the 20th years and beyond.