My over 50s life insurance says there is a Surrender Value ( a lot less than paid in I know) but in Martins article doesnt mention this. I have now bn paying for 18 yrs n dont feel its worth carrying on- value of payout so reduced! Would it be better to just stop paying? Is the surrender value now nil because of the non existent interest rate last ten years? Think would be better to buy funeral plan outright? Advice? Opinions please?