I have a few products with Prudential, but I'm wondering if I should give them up to do my own investments?

Look back at why you took up those plans in the first place? Are the reasons still valid? For the life plan if it is given up will there be a gap in your protection needs?

Likewise for your endowment plans, do you think you can generate better returns on your own?

Personally, I did give up my endowment which was coincidentally with prudential as well after 13+ years as I could generate much better returns (more than 10x what Pru can offer) on my own in more recent years. Hence it's a no brainer for me to give it up. Not sure about your situation. But do think hard as there are costs involved in giving up.

Hope this helps

I’m in the same situation as you... just that mine is an ILP instead of a life insurance.

Few things to consider,

• did your health condition change since you bought them? For my case, my ILP is the only one with no loading or exclusions which makes me hesitate about changing to a term plan. It’s still good to have a plan that protects you till 60-65? So a term plan is cheaper and good?
• as for saving plans, I’m also looking at the losses I’m going to deal with if I were to cancel them and do my own investments. Work out the sums, like are you able to get back the losses or even profit more in a longer run if you do your own investments?

Maybe it’s good to talk to your financial Consultants or agents again about it? That’s what I’m gonna do soon.