"Whether you are cashing in your endowments early or surrendering the endowments it makes sense to get a traded endowment buyers valuation as selling the endowment policies can produce more cash"


selling endowments to endowment buyers and traders instead of cashing in

You can sell your endowments through this web site


Thinking of cashing in the endowments early ?       

Surrender or sell endowments ?


Endowment policy surrender or cashing in endowments is common in the UK, but selling endowment policies or "trading endowments" is becoming more widespread, and can mean more money for the endowment policy holder. selling or cashing in endowments at the endowment market place

Here is what the old Financial Services Authority (now renamed the Financial Conduct Authority ) had to say about selling endowment policies
 "If for whatever reason you're thinking of surrendering or cashing your policy in, make sure your endowment company tells you about ALL the options - that includes the option of trading the policy in as well as surrendering it, if it has been running for at least five years." and here is the FSA consultation paper that led to it)


The new Money Advice Service (who are an independent service set up by government) have this to say "If you’ve been paying in for at least seven years, you’ll probably earn more if you sell a with-profits policy rather than cashing it in."


Research shows that many endowment policyholders cash in (or surrender) their policies early. In fact a report by the Association of Policy Market Makers APMM reveals that only about 30% of all endowment policies actually reach maturity.

30% of endowments are cancelled or cashed in early in the first few years of their original lifespan, and the rest are either sold to an endowment buyer (second hand endowment policy trader) or surrendered at some point before maturing and paying out.

Surrender your policy back to the endowment issuing company and you may miss out on the extra cash that you can get by selling the endowment policies instead, to an endowment policy trader ( they buy second hand endowments as investments to balance the risk profile of a portfolio of investments)


"To sell or not to sell, that is the question"

If endowment policy surrender or cashing in is your intention, then you should explore the financial benefits that may be possible, by selling your endowment policy on the traded endowment policy market. Selling endowments simply entails filling in the selling endowments form with information that is found on your endowment policy statement or schedule, and awaiting an offer. If the offer is not greater than the surrender value offered by the endowment life assurance company, or if the traders respond by saying they cant beat the surrender value, then you have lost nothing, but in some cases the increase in cash from selling endowments can be quite significant

So if selling your endowment policy now seems more attractive than simply surrendering or cashing in the endowment, use the flashing button above to go to the endowment sales form.


Your Options if you have a projected endowment policy shortfall


There are a number of actions you can take to compensate for an endowment policy shortfall

  • You can alter your mortgage so that the projected endowment shortfall amount is converted to repayment (capital and interest)
  • You can tell the lender that you wish to change all of your mortgage debt, from "interest only" (supported by the endowment) to a full repayment mortgage.
  • Overpay the mortgage each month, or aim to repay part of the mortgage early.
  • Extend the term of the endowment policy (lender and endowment insurance companies consent required) to give the endowment policy more time to grow, and have the benefit of additional contributions
  • Take out a "top up" savings plan to run alongside the endowment policy
  • Top up the existing endowment policy.


Selling endowment policies

Selling endowment policies to one of only six endowment policy traders that are  members of the Association of Policy Market Makers, instead of cashing in endowments early, can be achieved by using the "sell endowment" link at the top of the page, or by clicking here


Surrendering endowment policies can result in less cash for you than if you sell the endowment policies instead

Cashing in an endowment means the same as surrendering



The information on this web site is intended as "information only" and should not be taken as "advice".

If you are unsure about what to do, if anything, about your endowment policy, you should consider taking advice from an independent financial adviser who is regulated by the Financial Services Authority


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The policy list below represents the most popular endowments the uk public are selling at the moment and more information on them.

Endowment Selling

Australian Mutual Endowment Surrendering Endowment Policies Pearl Endowment Axa Equity Law Endowment Britannic Life Endowment Brittanic Assurance Endowment Clerical Medical Endowment Colonial Mutual Endowment Commercial Union Endowment Eagle Star Endowment Friends Provident Endowment General Accident Endowment Guardian Financial Endowment Imperial Life Endowment Legal General Endowment Norwich Union Endowment Prudential Endowment Royal Life Endowment Scottish Provident Endowment Standard Life Endowment Liverpool Victoria Endowment London Manchester Endowment Royal London Endowment Scottish Widows Endowment Sun Alliance Endowment Sun Life Canada Endowment Windsor Life Endowment London Life Endowment MGM Endowment National Farmers Union Mutual Endowment National Mutual Life Endowment National Provident Institution Endowment Provident Life Endowment Refuge Assurance Endowment Tunbridge Wells Endowment Weslyan Assurance Endowment Life Association Scotland Endowment Swiss Life Endowment Standard Life Endowment Norwich Union Endowment Traded Endowments Scottish Amicable Endowment Endowment Market Place Wesleyan endowment buy a property in alghero diesel bug national and provincial