Hi AK,

I happen to come across your post and decide to email you for some advice.

I am 41 and currently jobless as was retrenched. The only jobs available if I am willing to do is probably Security guard, Taxi driver etc. I am jobless for more than a year!

Good news is I have about 200k my CPF OA and and 203k in my SA. If based on your compound theory and I leave the money till I reach 65 in CPF, I think my retirement is still ok. I have no debts.

But the bad news is those life insurance premiums which I took them up during my work years is a big bulk of my expenses. It is about 30k annual premiums in total. 

I have thoroughly look thru all the policies and if I were to surrender them, that will be a big losses and also ceasing all my …