Dear Sir,
I have an investment-linked policy that I took up about 10 years ago. Is it "too late" for me to terminate the policy and take up term insurance, with the intention to invest the savings on my own?
REPLY
For your ILP, you probably have already incurred the upfront charges. So, it is probably better to continue the policy. An ILP works like a unit trust. You can ask the insurance company about the charges in their ILP to make a decision.
Read the attached FAQs:
http://www.tankinlian.com/faq/ilp.html
http://www.tankinlian.com/faq/exist.html
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