我的保险summary: 1. Tokyo marine (Toward my legacy) started 2008 (Death/TPD: 100k) Premium $2040 /yr - Premium end 2023, projected break even 2018 2. Tokyo marine (Asia life secure) started 2007 (Death/TPD: 50k + CI: 50k) Premium $1000 /yr - Premium end 2032, projected break even 2023 3. GE (smart life advantage ILP) started 2016 (Death/TPD: 150k + CI: 100k + Early CI:50k + Accidental disablement: 100k) premium $5000/yr 4. Hospitalization plan: GE supreme health & Total shield
个人 35 岁,月收入6千+ ,太太4千+. 一娃。我在想如果狠下心把 no. 3 给 cancel 了 (因交了两年年费,估计亏7-8千)往后买一个1million term life, 就当 life and mortgage insurance, 可以行得通吗?求指点!!