Out of interest - I have tried to get a valuation on my 21 year old Phoenix endowment policy from five of these "30% more" companies - they either come back with a "Not Interested" or a valuation below the Surrender value (in itself pitiful) - which adds to my concern about what the terminal bonus is likely to be in 4 years time....

I am considering "freezing" the policy - has anyone frozen their endowments ?

What was the outcome ?