From: "Toobs" 
Newsgroups: uk.finance
Subject: Endowment query
Date: 10 Oct 2006 03:32:10 -0700
   posting-account=cr4ZEQ0AAABET3eCgw7f4Rrl31QG7W3j

I'm a bit lost with what to do about my mortgage endowment policies. I
have two policies both of which have serious shortfall problems and
very low annual bonus rates. I have succesfully complained about
mis-selling of both policies and was paid a few thousand pounds in
compensation: I used this sum to reduce mortgage capital. The policies
will (I think!) each deliver a terminal bonus, but I haven't a clue how
this is calculated, so I can't decide if it's worth keeping the
policies going (note that I can now afford to clear the outstanding
capital without need of the endowment payouts).

Does anyone know how I would go about estimating each policy's terminal
bonus? Or indeed what factors I need to consider in weighing-up my
current contributions (~=A350/month) versus continuing with, selling, or
making paid-up the policies?

Can I calculate this stuff myself, or should I speak to a financial
advisor?

Thanks
AM