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Thnks for your reply Gabriel.
I think its because the interest they give is really quite bad. ANd i still have 15 years to pay for this plan. If i give it up i can use that to invest somehwere and get beter returns.
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Does your policy have a yearly cash back feature which you are entitled to take out? If so, you can ...
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Depends on how long you have paid for, what is the surrender value. How much loss you will suffer if you give up. Indeed there are some endowment plans with higher return and relatively low risk. You can compare those plans with your current one, and then decide.