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Standard Life Endowment keep or dump?

Hi any advice would be appreciated re my SLE, should I keep or go to APMM ? No mortgage so payout would go into cash ISA/ savings account


Guaranteed sum assured £58,900.00
Declared bonuses £8,081.16
Surrender value £20,106.28 (£18,582.51 basic value +£1,523.77 final bonus)

Monthly premium £76.39
Maturity date 08 Jan 2017
Maturity forecasts

3.75% pa 5.5% pa 7.25% pa Future payments due
£29,300.00 £33,000.00 £37,100.00 £7,257.05

Thanks in advance for any help!!
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