many moons ago when i had a mortgage i had my imdemnity life policy with norwich union...cashed in my indemity after getting out of property ownership and working out if i carried on with the premiums i would end up owing them money ???😱...and had no problems in cashing in at all....
however what i find so sad is that all this necessicity for insurances and pensions a word of warning for all you youngters..(haha) if i had paid all the money expected of a young proffessional in the early 1990's, into insurance ploicies and pensions schemes i would be in serious debt now, as all the schemes i was recommended at the time, that promised to pay wonderfully in 2025 are no longer...if id subscibed i would be F****D
im still F*****D no pension etc but at least i didnt loose all my premium money!!