Hi Flex
I have to tell you to be extremely cautions - and I'm going to be brutally blunt - you know as much about financial services as I do about flying airplanes - nothing. While I don't dispute your assessment of DeVere, there is a very big danger that you will jump out of the frying pan and into the fire.
Let's do a little forensic due diligence on Mondial.
Firstly, their website seems to be out of operation:
https://www.mondialdubai.com/
Secondly, I can find no trace of Aly Ramzi - his LinkedIn page seems to have been taken down.
Ask him for a copy of his terms of business, and a copy of the prospectus of the C plan - let's take a look under the hood.
BTW, the value of your existing plan is the money that you would get if you sold it. Ignore the fake values that you get on your statements. Email the insurance company and ask for the current encashment value.
Regards