Predicting Terminal Bonus' ?

I have a Life Assurance, with Profits from Winterthur, paying a massive £3.xx monthly for the last 25 years. It has about 8 years to go.

Winterthur keep declaring nil annual bonus, but bang on about this protecting the terminal bonus.

The sum assured is £2500, with reversionary bonus around another £3600.

Is there any way of finding out/predicting what the final payout would be.....even on an ish basis?

try the Foster and cranfield website. they sell such policies by auction and if you sign up for catalog, you also get results. you might find a similar policy for sale.

Uk policy?