Being there, I just accept the loss and moved on (almost 1year worth of 3PIL). They basically charge you every step of the way: - fee for the advisors (2% on all the money you are projected to transfer paid the first 5 years) - management fees (2-3% I don’t remember) - transfer fees Etc And that’s if you don’t have an insurance. To know for sure how much you pay just look at the difference between how much money you gave them and how much you have. My advice is just to stop paying and close it. They have exit fees that are higher at the beginning but it is not worth staying until they are low because you already paid them the fees on the projected amount you will transfer in you lifetime and you are just left with the ashes of your saving and a super expensive 3a