Sell Endowment
Rather than surrendering your endomwnt policy, you can sell endowment. Endowment Express UK are specialists in selling endowments in the UK, so you know have the best experts in the United Kingdom finding buyers for your endowment policy. Go with experts who know all about selling endowments.
Endowment Express is the only way to sell endowments.
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Sell Endowments |
Selling Endowments |
Sell Endowment |
Endowments
A Guide to Endowment Policy Types
For those confused by the world of endowment policies and mortgages, here’s the Endowment Express guide to endowment policy types.
Traditional Endowments
With these basic with-profits endowment policies, there’s a guaranteed sum that’s payable on maturity or death, plus bonuses. These endowment bonuses are variable, so predictions of payouts can’t be made with any accuracy. Traditional endowment policies have a higher premium than non-profit endowments.
Flexible Endowments
A flexible endowment, known as a Flexidowment, is an endowment policy that offers, after an initial period, an open-ended term. Flexidowment endowment policies offer the benefits of life assurance and investment funds in one product. The product gives investors peace-of-mind plus possible market-related growth. The endowment policy surrender value is usually at least partly guaranteed.
Low-Cost Endowments
Low-cost endowments are, unsurprisingly, simply with-profits endowment policies, just at a lower cost. Intended to offer a less-expensive way of covering mortgages, these endowment policies combine decreasing life assurance and with-profit endowments. The guaranteed sum on death or maturity of the endowment policy should equate to the loan. The sum assured is not as high as with a with-profit endowment, so premiums are cheaper and policyholders get a guarantee that the loan will be repaid on death.
Unit-linked Endowments
Unit-linked endowments were created expressly to work hand-in-hand with mortgage repayments. The life company uses the premiums to regularly buy units in a managed fund, with some of the units buying life cover. The value of the unit-linked endowment depends on investment performance. As is traditional, the life assurance element covers the policyholder in case of death.
Low-start Endowments
With low-start endowments, premiums - unsurprisingly - begin low and rise to the full premium over the years. The initial premium is very low, but the full premium is much higher than other endowment policies. These polices are aimed at first-time buyers with tight budgets. Bonuses are not affected by the low initial premiums.
Endowments Express is the leader in the endowment sale market in the UK, and your best resource for selling endowments. Let us sell your endowment policy for up to 35% more than policy surrender value.
If you have an endowment policy and are unsure of where to turn, just call Endowment Express on 0800 091 1913 for no-obligation advice or e-mail us here.