[疑難] 應唔應該cut左份保單？

I have other opinion.  Since saving using insurance is not effective (low interest rate, the bonus from the incurance company is not guaranteed, not flexible (if you withdraw the cash, your coverage will be gone)).  I would suggest if the cash you can take is already more than your total premiums over years (of course you have to check with your agent), then take the cash and use other saving with higher return, i.e. funds. I use funds for saving over 3.5 years and have 50% return now.
Reasons:
1. you dont need life coverage unless you have dependent.
2. you are very young and you should seek for high return now since you can take more risk.
3.over a long term, 5% return a year compare to 10% return a year can make a real difference!!!