When you sell your endowment you will lose any associated life insurance and forgo any future windfall payments from the Life Office. You may also get less than you would receive if you kept your policy until maturity.

Get a free quote for your "with-profits" endowment policy...
We can help you sell your policy for more than the surrender value.
 Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number 
AEGON
Endowment Policy
varies
---
0870 600 0337
AEGON now manage Scottish Equitable Life Assurance Society policies.
Aviva
Endowment Policy
varies
---
0800 953 1777
Aviva now manage Commercial Union, General Accident Compound and Norwich Union Life Insurance Society policies.
AXA Equity and Law
 
Endowment Policy
varies
---
0845 070 7099
Britannic Assurance Plc
 
Endowment Policy
varies
---
0845 305 5552
Policies originally taken out from Britannic Assurance plc are now being managed by Phoenix Life.
Canada Life Ltd
Endowment Policy
varies
---
0845 606 0708
Canada Life now manage Manufacturers Life Assurance policies.
Clerical Medical and General
 
Endowment Policy
varies
---
0845 603 6770
Colonial Mutual Life Assurance Society
 
Endowment Policy
varies
---
---
Commercial Union Life Assurance Company Limited
 
Endowment Policy (pre May 78)
'CO' + 7 numbers and 1 letter
---
0800 953 1777
Policies originally taken out from Commercial Union Life Assurance Company Limited are now being managed by Aviva.
Cooperative Insurance Services
 
Endowment Policy
varies39%0845 746 4646
Ecclesiastical Insurance Office Plc
 
Endowment Policy
varies
---
0870 870 8056
FP Life Assurance Ltd
 
Endowment Policy
'1' + 7 numbers or 7 numbers78%0845 602 9199
Friends Life
Endowment Policy (From Aug '93)
number '1' + 7 numbers78%0845 602 9199
Friends Life now manage London and Manchester Assurance Company Limited policies.
Friends Life
Endowment Policy (Pre-Aug '93)
7
numbers
78%0845 602 9199
Friends Life now manage London and Manchester Assurance Company Limited policies.
Friends Life
Endowment Policy
varies78%0845 602 9199
Friends Life now manage London and Manchester Assurance Company Limited policies.
Friends Provident
 
Endowment Policy (From Aug '93)
'1' + 7 numbers78%0845 602 9199
Friends Provident
 
Endowment Policy (Pre-Aug '93)
7
numbers
78%0845 602 9199
General Accident Compound
 
Endowment Policy
7 numbers, 2 letters83%0800 953 1777
Policies originally taken out from General Accident Compound are now managed by Aviva.
Guardian Assurance Plc
 
Endowment Policy
varies
---
0845 948 9000
Legal and General Assurance Society Limited
 
Endowment Policy (from 68 onwards)
'00' + 7 numbers47%0370 333 3683
Liverpool Victoria Friendly Society
 
Endowment Policy
varies
---
0800 756 8052
Liverpool Victoria Friendly Society is now known as LV=.
London and Manchester Assurance Company Limited
 
Endowment Policy
varies
---
---
Policies originally taken out from London and Manchester Assurance Company are now being managed by Friends Life.
LV=
Endowment Policy
varies
---
0800 756 8052
LV= now manage Royal National Pension Fund for Nurses policies.
Manufacturers Life Assurance
 
Endowment Policy
varies
---
0845 606 0708
Policies originally taken out from Manufacturers Life Assurance are now being managed by Canada Life.
Marine and General Mutual Life Assurance Society
 
Endowment Policy
varies
---
0800 032 8975
Marine and General Mutual Life Assurance Society is now known as MGM Advantage.
Medical Sickness Annuity and Life Assurance Society Limited
 
Endowment Policy
varies
---
0800 092 1990
Policies originally taken out from the Medical Sickness Annuity and Life Assurance Society are now being managed by Wesleyan.
MGM Advantage
Endowment Policy
varies
---
0800 032 8975
MGM Advantage now manage Marine and General Mutual Life Assurance Society policies.
National and Provincial
 
Endowment Policy
varies
---
0800 011 3520
Policies originally taken out from National and Provincial are now being managed by Santander.
National Farmers Union
 
Endowment Policy
varies
---
0800 622 323
National Mutual Life Assurance Society
 
Endowment Policy
varies
---
---
Norwich Union Life Insurance Society
 
Endowment Policy (from 66)
'ADB' + 7 numbers82%0800 953 1777
Policies originally taken out from Norwich Union are now being managed by Aviva.
Norwich Union Life Insurance Society
 
Endowment Policy (from 80)
'AVM' + 7 numbers82%0800 953 1777
Policies originally taken out from Norwich Union are now being managed by Aviva.
Norwich Union Life Insurance Society
 
Endowment Policy (from 82)
'ASI' + 7 numbers82%0800 953 1777
Policies originally taken out from Norwich Union are now being managed by Aviva.
Norwich Union Life Insurance Society
 
Endowment Policy (end 87)
'ARL' + 8 numbers82%0800 953 1777
Policies originally taken out from Norwich Union are now being managed by Aviva.
Phoenix Life
Endowment Policy
varies
---
0845 305 5552
Policies from Britannic, National Provident Life, Royal & Sun Alliance, Scottish Mutual, Scottish Provident and Swiss Life (UK) are now managed by... more
Prudential Assurance Company
 
Endowment Policy (early 60's)
7
numbers
91%0800 000 000
Prudential now manage Scottish Amicable Life Assurance Society policies.
Prudential Assurance Company
 
Endowment Policy (from mid 60s)
8
numbers
or '0' + 8 numbers
91%0800 000 000
Prudential now manage Scottish Amicable Life Assurance Society policies.
ReAssure
Endowment Policy
varies
---
0800 073 1777
ReAssure now manage Windsor Life Assurance policies.
Refuge Assurance Plc
 
Endowment Policy
varies
---
08450 502 020
Policies originally taken out from Refuge Assurance are now managed by Royal London.
Reliance Mutual Insurance Society Limited
 
Endowment Policy
varies
---
0189 251 0033
Royal Life Assurance Ltd
 
Endowment Policy (from late 60's until 94)
'C' + 1 letter and 7 numbers
---
0845 788 3311
Royal Life Assurance Ltd
 
Endowment Policy (from 89)
'Q' + 1 letter and 7 numbers
---
0845 788 3311
Policies originally taken out from Royal Life Assurance are now managed by Phoenix Life.
Royal Liver Friendly Society
 
Endowment Policy
varies
---
0845 050 2020
Policies originally taken out from Royal Liver Friendly Society are now being managed by Royal London.
Royal London Mutual Insurance
 
Endowment Policy
6/7 or 8 number + '1' letter87%0845 050 2020
Royal London now manage United Friendly, Refuge Assurance and Royal Liver Friendly Society policies.
Royal National Pension Fund for Nurses
 
Endowment Policy
varies
---
0800 776 677
Policies originally taken out from the Royal National Pension Fund for Nurses are now being managed by LV=.
Santander
Endowment Policy
varies
---
0800 011 3520
Santander now manage National and Provincial policies.
Scottish Amicable Life Assurance Society
 
Endowment Policy (from 66 -78)
6
numbers
- may start with 'SA and/or end -0#
78%0800 000 000
Policies taken out from Scottish Amicable Life Assurance Society are now managed by Prudential.
Scottish Amicable Life Assurance Society
 
Endowment Policy (end 78 onwards)
3 numbers, 2 letters, 3 numbers78%0800 000 000
Policies taken out from Scottish Amicable Life Assurance Society are now managed by Prudential.
Scottish Equitable Life Assurance Society
 
Endowment Policy
varies
---
0870 600 0337
Policies originally taken out from Scottish Equitable Life Assurance Society are now managed by AEGON.
Scottish Life (Royal London)
 
Endowment Policy
6 / 7 or 8 numbers + 1 letter87%0845 050 2020
Scottish Mutual Assurance Society
 
Endowment Policy
varies
---
0845 984 5845
Policies originally taken our from Scottish Mutual Assurance are now managed by Phoenix Life.
Scottish Provident
 
Endowment Policy
varies
---
0845 984 5845
Policies originally taken out from Scottish Provident are now managed by Phoenix Life.
Scottish Widows
Endowment Policy Early (70's and 80's)
6
numbers
83%0845 716 6777
Scottish Widows
Endowment Policy Current (post 80's)
7
numbers
or 7 numbers / 1 (-) 2 numbers
83%0845 716 6777
Standard Life
Endowment Policy
starts with 'X' or 'C'40%0845 606 0100
Sun Alliance Phoenix
 
Endowment Policy (From late 60's - '94)
'A' + 7 numbers
---
0845 788 3311
Policies taken out from Sun Alliance are now managed by Phoenix Life.
Sun Alliance Phoenix
 
Endowment Policy (Post '89)
'A' + 7 numbers
---
0845 788 3311
Policies taken out from Sun Alliance are now managed by Phoenix Life.
Sun Life Society
 
Endowment Policy
varies
---
0845 366 1645
Swiss Life
Series B (Pioneer 85 - 90)
varies
---
0800 376 5005
Policies taken out from Swiss Life (UK) are now managed by Phoenix Life.
Swiss Life
Series A (Pioneer, Pre 86) Simple Bonus
varies
---
0800 376 5005
Policies taken out from Swiss Life (UK) are now managed by Phoenix Life.
Teachers Assurance
 
Endowment Policy
varies
---
0800 056 0563
The Children's Mutual
 
Endowment Policy
varies
---
0845 609 0085
The Children's Mutual now manage Tunbridge Wells Equitable Friendly Society policies.
Tunbridge Wells Equitable Friendly Society
 
Endowment Policy
varies
---
0845 609 0085
Policies originally taken out from Tunbridge Wells Equitable Friendly Society are now managed by The Children's Mutual.
United Friendly
Endowment Policy (Pre Oct 1989 - Simple Series)
varies
---
0845 050 2020
Policies originally taken out from United Friendly are now managed by Royal London.
United Friendly
Endowment Policy (Post Sept 1989 - Compound Series
varies
---
0845 050 2020
Policies originally taken out from United Friendly are now managed by Royal London.
Wesleyan
Endowment Policy
varies
---
0800 092 1990
Windsor
Endowment Policy
varies
---
0800 073 1777
Windsor Life Assurance is now known as ReAssure.

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How to Get the Best Price Selling Your Endowment

Our guide to selling endowments gives you the low-down on how to get the best value if you decide to cash in.

Pot Of Money

Thousands of people across the UK have mortgage investments designed to pay off the borrowing on their home and hopefully leave them with a cash windfall too. These investments - known as mortgage endowments - pay out at the end of a set period.

Alternatively, many people combine saving for the future with their life insurance - otherwise known as a life endowment policy. These pay out a fixed amount when the policy matures or when you die, whichever comes first.

So, what happens if you want to cash in your endowment policy early? Selling your endowment ahead of time can cut your losses if you're anticipating a shortfall when it matures, plus give you access to a cash lump sum.

However, in most cases you'll incur penalties and with a mortgage endowment you'll be left with the balance still to pay off. Therefore it's best to consider your options carefully and get professional selling endowments advice.

If you do decide to sell early, this makes getting the best prices selling endowments even more important:

1. Can you sell your endowment policy?

Unitised or unit linked endowments cannot be sold on to second hand investors, so if you hold this type of policy you should seek financial advice. On the other hand, if you have a with profit endowment policy you should have no problem selling it on.

2. Contact your endowment provider

The first thing you should do is contact your policy holder. They'll offer you a non-negotiable surrender value which you can then use as a benchmark for the prices you can get selling endowments policies in the second hand endowments market.

3. Compare your endowment selling options

Consider how old your policy is and compare its age to the limits set by other endowment companies. Some companies only purchase endowments over a certain age, so you can quickly cut out any unsuitable buyers.

Next, check the minimum surrender value specified by each potential buyer. Exclude companies that aren't likely to offer you more than that amount. 

You should also take into account any fees charged to assess your endowment; significant valuation fees could undermine what might otherwise be the best selling endowments prices available.

Finally, compare quotes from suitable companies to see where you can get the best price. Consider finding reviews of your prospective buyers if in doubt. You should always seek professional advice to make sure you get the best deal selling endowment policies UK wide.

If you believe you have a claim against a company or advisor for mis selling your endowment policy to you this is something you'll need to follow up separately by registering a complaint with the company direct then taking the matter to the Financial Ombudsman if needs be.

More information on Selling Your Endowment

Related Selling Endowment Guides

Selling Endowment Comparison

A-Z Endowment Policy Life Offices

View our full A to Z list of all selling endowment companies.