Hi! I would suggest that if finances are very tight, you could consider either putting your investment policy on premium holiday if possible or else you could consider surrendering the ILP. As for the endowment plan, i would say hang on to it as the losses from the endowment plan is not worth surrendering now and if possible, do continue to keep the endowment plan on. The above is for the policy directly for reducing losses. However, one big consideration you need to have is why you bought these policies in the first place. If you were looking to have a sum of money at the end of 30 years, both your policies would be able to do so. If you are looking for protection, then the ILP might be a better option since ILP tends to cover the whole life. You can drop me a PM if you need any help regarding any of the above or advice!