The first step would to be find out why did she bought it in the first place (i.e the objective). Then ask will this plan help in terms of your financial goal ? Pruwealth generally are giving more benefits in the later stage of life because of the compounded interest from the bonuses. One factor to consider is that also the age she is currently. For example, if she is at her 20-30s that range, you will notice that PW gives considerable returns at older age more towards retirement. Investing in stock of course will generate more returns generally, but of course the risk is also a factor to take note about. SSB is very hard to compare in terms of apple to apple because SSB only last for 10 years max while PW doesn't work that way. My suggestion is that, if you are not surrendering this plan mainly due to budget constraints, can do both ways, whichever works better after a period of observation then you can switch accordingly. I think that PW is a good tool when you factor in your retirement planning because you get to choose your own maturity date Ultimately, if the product suits your financial goals, then it might be worthwhile to continue.