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Unit Linked Endowments-surrender or no?

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We have a Standard Life & Zurich unit linked endowments and have decided to surrender & pay off mortgage.
They're due to mature in June 2013 & sv - 25500 + 10000 as at 23rd Sep(premiums 108 & 28).
As FTSE dropping since then - do we wait & hope it goes up again or cut & run now??
Whoever thought unit linked was a good idea??
All the monies, except for these are in place, waiting to repay mortgage.
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