Hey, You probably alraeady have the answer you are looking. The answer is it's really a tough choice. If you surrender now, for Pulsar(or Optimus), you may not get anything back and you might in fact even need to pay them extra out of your pocket. For Optimus, early surrender fee= Startup bonus + Remaining Acc Main. Fee = 6% x Annual Premium x Term + 5.2% x Annual Premium x Remaining Terms If you are surrendering on 4th year for $21600 premium, the surrender fee will be= 6% x 21600 x 30 + 5.2% x 21600 x 27 = $69206.4 By 4th year, you should probably have about $97041 in your account. The maintenance/charges fees paid are estimated about $2000 every year. After deducting the surrender fese you will only get back $27835. (You paid 64800 premium). Add up to $36965 losses. Basically, if you want to make any profit early on, just contnuing praying that you can somehow make 30% or more profit from your stocks/funds. Alternatively, take that 65k go to RWS or MBS, find a good roulette table, bet 5k 13 times on black. You might have a better chance of making profit this way. Cheers.