Should I switch from part repayment/part interest only mortgage & surrender endowments to pay off loans etc?

I have a mortgage which is part repayment/part interest only. I am thinking of switching to full repayment as there is a big shortfall on the endowments...& then cashing in the endowments to pay off credit card & loan debts. I will be then debt free but have bigger mortgage repayments a month.But by doing this I will save �300 a month by not paying loans etc.Also it ensures my mortgage will be fully paid off in the 12 years I have left to run on it, instead of having to try & make up the shortfall from my own funds (which I don't have). But is this the right thing to do? Should I switch to full repayment & do all this or not? I know I will have to take out a life insurance policy to cover mortgage for death (as death cover on endowments will no longer be there if I cash them in).