<prompt> Human: Firstly, some background, I am a 29 yo male currently working in Singapore. All the values mentioned below will be in Singapore Dollar. My income is SGD 3300 a month and I have around 20k in bank.8 months ago, my colleague introduced me to a financial agent. The agent is from a company called Finexis In the end, I bought an insurance from AXA with her as advisor. This is the photo shoot of the return value.I have been paying SGD 700 every month since then.Then last week, I met one of my high school friend, who also worked as a financial advisor now. After reviewing the insurance. my friend told me this insurance has too high a charge and advised me to dump it.The thing is, I have already contributed more than 5k in this insurance. If I cancel it, I will lose all the money I have paid correct me if Im wrong.I am going to meet my friend tomorrow, and he is going to recommend me some sort of endowment plan not really sure what it is.My question is, is my current insurance really that bad? Should I dump it?edit: to to told  <response>: Read some books. Look at the sidebar. You are getting taken by one FA after another. Your situation is nowhere near complex enough to need professional help, and the people you are consulting are not helping anyway. They are salesmen who are just selling you whatever they can.Run. Run away from all these guys. 