I've 2 policies at Zurich as well & the value is droped 50-60% already because of the global financial crisis.
To answer your question, you need to ask yourself on (1) what is your capital allocation; (2) what is your goal for investment; (3) what is your expected average return; (4) what is your risk appetitde.... etc.
Anyway, you have better discuss with your agent. You have paid for your services.
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