Amber Alert!!

rothers

Ed, my surrender values are £16,142.45 and £4218.30. The guaranteed minimums at the end of the term are £43,449.13 and £13,346.16.

Does this change anything or do you think that I should be fine for now?

Thanks

magpiecottage

I reckon, assuming a £90K loan, it would now be about £67K if it had been on a repayment basis throughout.

So you would have paid about £23K off.

If you surrender the policies now you will get £20,300, leaving £2,700 difference - ignoring any difference in costs.

The policy seems broadly on target but, as others have said, it is not possible to tell.