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I have this max life term insurance
So I have this max life insurance term plan covered till age 85 I know a big mistake and I am paying a premium around 21k but the thing is that I want to reduce the tenure till age 65..do you think this would be possible with max since I have researched a lot on this and found nothing concrete and even the max people are of no use with their crap support. Also, another big mistake I did was get accidental insurance as a rider with my health insurance since we know the premium of health insurance increases every year. Do you think I should get accidental insurance rider with my term plan or let it be as it is with my health insurance?