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Scottish Widows endowment - advice needed!

I'm after a bit of advice if anyone can help, I'm unsure what to do with an endowment policy I hold and what options are open to me.

Details of endowment
Provider: Scottish Widows (originally Lloyds TSB)
Start date: August 1998
Term: 25 years
Plan: 'Low Cost Mortgage Plan' 50:50 Income Fund and Balanced Fund
Value Aug 2008: £25,920
Current premium: £238.45 per month
Target value: £117,900 (on target for £122,000 at Aug 2008 with 6% growth)

As far as I understand I have four options: continue paying, make policy paid up, surrender to SW or sell endowment to a third party?

I no longer need the life cover and my mortgage is now repayment so I am looking at this purely from an investment point of view, not sure if I 'm chucking good money after bad or if the investment is worth continuing with.

I intend to call SW to get an up to date valuation - is there anything else I need to ask them to assist in making a decision?

Thanks in advance for anyone who can offer any advice. :T
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