I have paid one year AIA smart wealth with payment term 15 years. I am thinking if to terminate it and switch to CPF top up?

It depends on your needs and financial goal. Consequently, it will be best to revisit your financial objectives and evaluate whether your existing plans suit your needs. For this purpose, you may wish to speak with your agent for a comprehensive financial analysis.

This is because it is a huge commitment either way and you won't want to make the wrong decision.

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Buying other people plan is always a bad idea. Because is their plan , not ours!

CPF top up is good idea, guaranteed 4%. Only downside is $$$ is locked till 55. If you plan to retire at 55. Then is a good choice. In additional got $7k tax relief.