Pruwealth or investments?

For this case, you should be talking to someone who is well-versed in the endowment plans.

For 1, do calculate the opportunity cost of giving it up, and how much you can gain from your investments. Then decide whether you want to invest or hold onto your policies.

You may approach us should you decide to give up so we can give better value instead of you surrendering.

PS: I am the Founder of PolicyWoke which buys in policies that people would wish to surrender.

If your plans have profitted.

Yes. Take the $$$ and buy s&p500 ETF.

Make your own plan, dont buy into others people plan.
Other people plan is just to "manage" your money and charge you for a fee.