[疑難] 應唔應該cut左份保單？

應唔應該cut左份保單？  


我今年22歲，做緊bank，身體健康，暫時有三份保險(都係人壽+儲蓄)，最舊果份係93年開始爸爸同我供，保額1萬美元，每半年供$196.91美元，依家已經供左接近$5500美元，都有超過保額既一半了，剛上網check度以下資料，係咪4076.4+1735.82=5812.22就等如依家攞得番既錢？咁樣cut唔cut好？唔該晒。

Financial Values:
  Interest Rate (%) Amount (USD) As of Date   Amount (USD) As of Date
FPDA Cash - $0.00 Apr 14, 2007  Cash Value $1,735.82 Apr 14, 2007  
FPDA Coupon 4.25 $4,076.40 Apr 14, 2007  Accu. Dividend $0.00 Apr 14, 2007  
FPDA Total   $4,076.40 Apr 14, 2007  Outstanding Loan $0.00  Apr 14, 2007