想知道如果取消供了十年的人壽儲蓄保險的俐與壞

取消供了十年的人壽儲蓄保險的俐與壞 :
Advantage : You have cash on hand and invest.
Disadvantage : No protection
If you think there's other instruments you can earn more than yr insurance
and you don't need protection, it's better to surrender the insurance.
If not, insurance can give you more return in long term unless it's not a savings plan.
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我之前係盈科取消左個已供8年人壽儲蓄保險, 得番9000蚊, 我月供400, 供左8年, 得番咁多囉....
我想利係....唔使再供d份同知道原來實際回報同之前份建議書係咁大入出入
壞就係要花時間去搵過一份

沒有好處只取回紅利,但同時無晒保障,將來買番就要跟現在age計算會貴咗好多

可否先講1.為何要取消 2. 已供了多久 3. 如取消了於理財方面有何安排 ?