I have spoken to them today & had some better news than expected as the majority of the policy was already guaranteed & not affected by the current situation, so I’ll add some numbers to my options.
1, If I surrender today it will cover 72% of the initial sum
2, The least it will cover if I leave it until maturity is a guaranteed 66.6%
3, The most it will cover if I leave it until maturity is up to 100% (but unlikely)
So my “gamble” at present is only -6 to +28% so I’ll stick with it until the end.
Thanks for all the input & FWIW I already have the money to cover any shortfall based on the numbers above.
Cheers.