Do u have any other policies that cover CI, if not u should continue to pay premium to give u protection for CI (critical illness).
How long have u been paying premium, amt of yearly/mthly premium, current surrender value? Use this info to calculate your returns todate.
My policy gave me more than 7% pa bonus last year, so it is better to continue paying premium than convert to annuity (annuity pay less). Mine have to pay until 85 years then it will cover for life.
If u still can afford to pay the premium and dun need the funds, it is better to keep, treat it as a regular savings plan which provides good returns. Surrender only when u need the money and no longer need the CI protection. If u cannot afford to pay the premium but still need the CI protection, u can convert it to paid up.
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