Before you decide to surrender your With Profits endowment - contact us - we may be able to help you arrange the sale of the plan at a price much higher than the surrender value offered by the Insurance Company.

cjrassociates@lineone.net

If it is your intention to surrender your endowment policy because of mortgage change, divorce, or just to raise cash without taking a loan, you may be able to sell your policy for more than your insurance company will give you.

For investors, Traded Endowment Policies (TEPs) offer above-average investment yields secured by a low risk investment opportunity as the sum assured and declared attaching bonuses are guaranteed. Maturity dates and premiums can be selected to suit individual needs. TEPs are ideal for pension funds and school fees planning.
Compliant


It is a requirement of the Personal Investment Authority that an adviser should advise any client wishing to 

 surrender an endowment that it may be possible to obtain a higher cash value through the second hand policy market.

In many ways the Traded Endowment Market is like the annuity market. Prices paid vary according to market conditions and no one company can ever guarantee to always offer you the best price.

It is important to obtain a range of offers from a number of people in the market in order to be able to find the best deal.

CJR Associates carry out this search on your behalf ensuring that you have in fact obtained the best price for your policy.

 

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