Like so many others I have an endowment, which is nowhere near on track to pay the target amount although today the surrender value is nearly double what I have paid into it over 21 years. I have finally lost faith so today I have offered it to a broker and am waiting to see what I am offered for it. By my reckoning, with investment growth now so dismal, I'm better off flogging it, paying off part of my mortgage and avoiding all those years of mortgage interest as well as saving the £3,176 of monthly contributions remaining. It still has 52 months to run and I'm aware that there will be a terminal bonus but surely in principle, what I have written in the paragraph above makes sense? What is your own attitude, forum friends?