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While the policy was easy to take out and easy to understand, I got a letter for friends Provident telling me it wasn't performing well enough to pay off my mortgage. Having contacted Friends Provident, they sent me some literature regarding it's performance and what I could do ti rctify the situation, including taking out another Friends Provident policy to top it up. I thought that this might not be a wise move, given past perormance, so decidied to contact the FSA and the consumer advice bureau for their advice. They would not give me any advice, but did point me in the direction of the internet for the possibility of selling the policy on, secondhand. I found www.sellendowments.co.uk and sold it on for more than the surrender value