in my opinion, you better consult your mum's agent first.
Before you wanna cut it, you can ask the agent 3 questions, see if she/ he can give you a reasonable answer and u accept. 看看他有多專業.
1) why my mum need this insurance?
2) why u set that years-to-be finsihed年期? (why 5 years/ 10 years?)
3) Can I take all the money out but keep the insurance coverage?
For the first one (前面果份比左200000 每年供3萬) , how many years can finish?
the second one (另一份每年7萬) , how many years can finsih and the return?
you can email me for other question :
[email protected]
For the professional finanical planning, it seems not good for someon inout such a bag amount in insurance near retirement (unless she/ he resver a hugh amount of retirement fund)