Yeah Sue, the surrender value on a unit linked plan can come in handy at times! A lot of people think that it keeps going up but depending on the premium and level of cover, it reaches a point where it peaks and starts to come down, that’s why the premium reviews on those plans happen, to get you to pay more when the "savings" element is used up! The modern guaranteed type plans are much clearer as you know exactly what you are paying and how much cover you have.
I wonder how many people have been thinking about reviewing their own situation but keep putting it off? Imagine, it’s over a year since we did the talk in the D Hotel 😉