Hi, can help to enlighten if it makes good financial investment on limited insurance premiums resale through REPs Holdings?

It depends on the reason why you got into the plan in the first place. Did your priorities change along the way? Do you need the funds now and can't wait?

If you got out will you be able to find another instrument that can yield a better return? This was my reason for getting out of my endowment midway, 13 years after starting it. No sense socking away premium every month that yields me less than 5% pa when I can deploy it into something that can give me roughly the same percentage on a monthly basis.

It depends on your needs.

In most cases, you will suffer a loss or forgo the optimal rate of return for not holding the policy till its contractual maturity date. As a result, are you comfortable with the result?

If you need the money and this is the only option available, then you have no choice.

If you need the money and this is one of the options available, then I will suggest for you to revisit your cashflow planning and understand if there is other ways to work around the situation.

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