Hi there,

1st of all, we need to know whether its an Investment Linked Plan or a Traditional life Plan. Your terms saving is very general to me.

If its traditional life plan, it is not recommended to surrender at all bcoz you'll lose 80 to 90% of your money. A general rule of thumb, insurance policies need roughly 20 years to breakeven and that depends on how much riders/benefit you attach to it.

But it still come back to the point - what is the 1st reason you bought your policy? Protection purpose or saving purpose. DO NOT mix up these 2 together. There is no 1 policy that can give both things best.

Get someone to review your policy and I believe many of us here can help. There are AIA. Pru. GE n lots more agents here.

Thanks,
Ronnie from Allianz.

What kind of other riders do u attached with it? Its very hard to judge like that. And the best way is to call their customer service and they will let u know in detail.

Since its an investment linked policy - i doubt you can get back much seeing that the market condition is down so basically your unit price is down too.

Judging from 6 years - IMHO i think it shall be around 35% to 505 OF WHAT YOU'VE PAID.

Thanks

Since this thread is a bit dull, lets discuss on the Critical Illness :-)

Lets start with the simpler ones.

Kidney Failure Definition
End stage kidney failure presenting as chronic irreversible failure of both kidneys to function, as a result of which regular renal dialysis is initiated or renal transplantation carried out

Chronic here means there is evidence to show that the kidney failure wasnt only happen yesterday.

It also means that if only one kidney fail, the lump sump Critical illness / waiver is not claimable under Critical illness.