Hello. Sounds like good advice. Thank you for your trouble.

Hi -- Ask Scottish provident for a current surrender value and also the benefits if you make it into a "paid up"(suspend payments) policy now, additionally ask them for a projected final payout if you keep up the payments until the policy matures.

Once you have those figures for comparison you can additionally calculate how much more the payments will cost you for the final 4 years, whilst at the same time ringing a few secondhand policy buyers to see how much they will offer you for this same policy at present.......you will then be in a much better position to consider your most money efficient option.

I have a with profits policy with Scottish Provident. I am 66. The policy matures when I am 70. How do I decide whether to cash in now, or continue paying the premium for the next 4 years ? I do not need the money to pay any bills.