I have just received my statement from Phoenix re a 20 year mortgage endowment (previously held with Scottish Provident) The predicted return over the 20 years is only 6.3%!!!! or 0.29% pa!!

Fortunately I have already gone down the misselling route with my bank (who "supplied" the endowment) and been compensated (altho' not very much - ~ £1k) Also I received a cash sum from Scot Provident to give up my membership rights about 7 years ago; this raises the return to ~ 67% , a little better altho' still considerably less than the original "expected " sum to cover the mortgage debt. If you haven't been timebarred from a misselling claim - go for it!!