AIA PRIME LIFE SPECIAL

Well, if you are certain that you really do not need this policy, then the question on whether you should keep or terminate the policy shouldn't exist in the first place.

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However, since you ask, I would encourage you to take this opportunity to conduct a comprehensive insurance portfolio review. To that end, we get a clear picture on your current position, as well as how well your existing insurance policies cover you.

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Additionally, given that there is a cash value component in AIA Prime Life Special, the next question would be the risk of reinvestment and opportunity cost. For example, one of the questions is how confident are you that you are able to attain the same, if not better returns than the policy at a similar risk level?

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Altogether, it is impossible to answer your question properly without further details and context about the policy, as well as to understand more about you and your needs.