How can you tell if an endowment is going to cover your mortgage at the end of its term, if rates continually change. Is it guess work or is there a foolproof method of calculation? If you are unable to forecast the final cash in figure until a certain length of time has elapsed ie. 10,15 or 20 years, is it all just guesswork up to the final stages of the policies maturity date?

-- paul goode (mrgoode@zoom.co.uk), May 28, 2000