I never advise to surrender unless the policy is really bad coverage, bad wording, bad IRR and low yield to maturity.
I advocate really understanding the whole life insurance. Surrendering is not a word to be taken lightly. Although, I might want to take over your policy if that is the case (I mean if yield is good, who wouldn't right).
I would rather top up the difference (or gap) of coverage with term to BTIR.
I believe u got ur answer. Let me touch on the strategy buy term and invest. Many people know this t...
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