In order to stand the best possible chance of selling your endowment please take note of the points below:
- Your endowment policy should be at least 5 years old.
- The endowment must be 100% "With Profits" - unitised and unit linked policies are not saleable.
- The latest up-to-date surrender value must be at least £3000
- All the required information on the endowment selling form has been supplied by you.
If you are considering surrendering your endowment policy, you should seriously look at the option of selling the endowment on the second hand traded endowment policy market (TEP). By clicking the link 
Selling endowments has become an accepted and profitable alternative to surrendering the policy, and the number of policy holders actively engaged in the selling endowment process is on the increase. Depending on how long the endowment policy has been running, a significant increase over and above its surrender value can be achieved by selling to the endowment traders.
moneyadviceservice.org.uk
"If you have a with-profits endowment policy, you may be able to sell it on the second-hand endowment market.
If youve been paying in for at least seven years, youll probably earn more if you sell a with-profits policy rather than cashing it in."
Extracts From Government Publications
CP 106 "The Personal Investment Authority (PIA) issue guidance (Regulatory Update 85) in March 2001, asking provider firms to take steps to ensure that policyholders who were considering the surrender of a life policy were informed that they might be able to trade their policy instead."
COB 6.5.50R(5) "requires a firm to ensure that the policyholder is made aware of the existence of the secondary market and how he might access it."
Once you have sent your endowment policy details it will then be assessed, and if tradable an offer will be notified back to you .
Selling endowments is not complicated, and you could get more money for selling your endowments than surrendering.
It is important that the latest up to date endowment surrender value is obtained from your life assurance office, before filling in the endowment selling form.
Frequently asked question about selling endowment policies to endowment traders
Selling My Endowment compares the market to give you the best price for your endowment policy.Sell your endowment here.
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