Check with him the reasons for asking you to switch, perhaps there is some cost-saving or additional coverage, which he did it out of real good intention for u?

It is achievable, but take lots of hardwork and discipline. I have personally achieved $100k savings (CPF not included) by age 28 (last year). I saved up most of my income, spend only on what i need, and do some side businesses all these while. Took me about 6 - 7 years in total after graduation to achieve the above, all loan paid as well. Have resigned since last year to focus full-time on my business, and started on some investment as well. Just be discipline enough to save and send only on what you need once you start working, and i believe most people can do it too! :)

Dropped iPhone XS (Screen Cracked)

You will have to make sure your full-time job allows you to sideline your own business, some companies i know do not allow. Otherwise, you can seek out a partnership with another company too! If u are interested to explore a partnership, my companies do wholesale and retail of goods as well. Let me know if u are keen :)

It is always not worth it to surrender any policy. Try to see if u can get a premium holiday or utilise the cash value (if any) of the policies, so that it can at least still continue and offer some sort of protection

One small steps at a time, i believe it helps in the long run, and if more people adopt a green habit.