However, after go through your article, I start to wonder.Recently I have just bought a living policy (VIVO life) for my wife, my son and me, I attached the policies for your reference.Would you mind to advice me whether I should continue or cancel this policy and change to Term policy instead?REPLYIn the table below, I tabulate the cash value for each policy at the end of 20 years (based on 3.75%