You pay regular premiums and in return the insurance company will pay out a lump sum.
你定期交纳保险费，作为回报，保险公司会一次性付给你一笔钱。
《柯林斯英汉双解大词典》
2
When the insurance policy matures, the insured person will receive the capital sum agreed.
保险单到期时，投保人会得到一笔总括性付款。
3
French media have reported that transport costs for the 4 million euro ($5.45 million) exhibition alone cost about a million euros, while a similar sum was spent on insurance.