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This sort of endowment, sometimes recognized as a 'full endowment' is a type of life assurance policy taken out in conjunction with an interest only mortgage and enables you to pay monthly premiums which remain the same for the entire term of the loan. When the mortgage term expires along with the balance becomes due you obtain a tax free of charge lump sum payment which is employed to pay off your mortgage. In the past lots of of these endowments have performed properly and have produced a sum, or surplus, which is higher than the mortgage balance to which you are also entitled, tax no cost. However, considering that these full endowments deliver guarantees relating to efficiency, they are really costly. http://amplify.com/u/a1cyfz