It depends totally on your personal circumstances and who the endowment policy is with - I too have two endowments with Phoenix and can't even get an offer from one of these companies who offer to buy them - so will hang on to them for another 4 years until they mature - at least I will get a terminal bonus

You should look in to FREEZING the payments - you then get to stop paying the monthly installments - but get to keep some of the bonus - how much is the question - can anyone advise ?

I have a joint mortgage endowment plan which is due to mature in 2016, following separation and divorce I have managed to keep my payments up-should I continue to repay, sell or surrender? I have since taken out a different mortgage on my new property.