Endowment to sell or keep as a savings plan??

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I have recently been offered a full and final settlement for the poor performance of my endowment plan. Basically got back all the money i put in.

I am now in a position of what do i do with the policy. It is forecast to pay £20,500 in 19 years time. I will pay in £5,500 (£24 p month) over the 19 year period. It has a gaurenteed death benefit of £47,500.
Therefore i will gain 15k which sounds great today but in 19 yrs time perhaps not so great?

I have been offered £4,500 for the endowment by Norwich Union whom my initial claim was through.

I really don't know what to do. Keep it and gamble on what i might get in 19yrs or sell it and pay whatever i get for it into paying off some capital on my 120k mortgage? Or even reinvest in something else?

Help anyone please!