If you are comparing solely based on premium alone, current comparison by external forum users has seen AXA being one of the lowest. Of course this will depend on the multiplier, and whether you need other coverage. If you would like some quotations to compare, i will be glad to assist. Let me know! :)

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.