yes mandy, except we seem to have lots of different insurances. seeing a financial advisor to sort out this week. it's really annoying but hard to find out what they all are (dp not the most financially savvy). we seem to be over insured! god knows how much the companies have made out of us over the past 20 years!
You need to find the policy documents themselves too - we looked at claiming under a critical illness policy but couldnt find the document. The insurer was really unhelpful. If you can get the FA to review them so you keep the most relevant. Good luck!
Are they all to the same company? If they are all set up to pay off the mortgage at the end of the term then they will have a maturity value and should be worth something. It does seem a lot to be paying but I suppose it depends on the amount and term if your mortgage. Why did you opt for endowment rather than repayment?