I would like to ask: - What made you purchase the endowment and ILP in the first place? - What do you want to achieve when you purchased them? - Is the premium within your comfortable budget? - What is your risk appetite? - How long do you intent to stay invested? (Because I believe there is some misunderstanding) I agree with Luke, ILPs do have the potential to reap good returns. ILPs too, have charges. Surrendering the ILP has it consequences and I hope that your consultant can explain it clearly to you. Talk to your consultant, I am not sure what was communicated between you and him/her but definitely certain facts weren’t communicated clearly. Not being bias, but Pro Achiever is one ILP I would propose to my clienots. Of course, when my clients queries, concerns and needs are duly addressed.