Ask TONY

Money Mail’s letters page tackles all your financial headaches I’m 67 in July and wonder if I should cash in and cut my expenditure, or stick with it. It has a £1,900 cash-in value.

The original plan talked of ‘changing’ as life changes took place, but, when I approached Aviva, all I got was a surrender amount and no alternatives.

In 1996, £27,000 would have gone a long way to paying off my mortgage. Today, it’s not even much of a house deposit.