Thank you for your question
My name is Clare
I shall do my best to help you but I need some further information first
How much is the house worth and how much is outstanding on the mortgage?
What actual income do you each have?
How much is the Endowment worth (and do please just ignore the site popups they are very annoying)
Can you manage without the money he was giving you?
Are you willing to consider a divorce?
Even if that does not get you the financial settlement that you need?
Was the agreement made in writing in the form of a Separation Agreement?
If not then the only realistic way of achieving a settlement which includes you keeping the house AND receiving spouse maintenance is within the financial side of Divorce proceedings.
In the long term the length of your marriage is such that you are entitled to half of all the assets (if not more) - including his pension and Spouse maintenance whilst he is still receib=ng wages - so there is little doubt that you will be safe in the longer term - it is the short term which is a problem.
One possibility could be cashing in the Endowment to give you sufficient to keep the mortgage payments up until his alcohol addiction to take its final toll.
Please ask if you need further details