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The mortgage promise is the maximum that might be payable. It will not take payout above the target amount of the policy I realised that. The promise makes up part of the estimate along with estimated maturity value - which brings the total estimate to be just UNDER the original estimate. But if you...

We have a NU endowment for £56 pm. It matures in late March. We have had a preliminary estimate and it is not far short of what it was supposed to pay out (£44k)!!! THis is despite having been paid compensation earlier. ANd despite many letters advising it wouldn't meet expectations. And despite t...

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