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.

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Australian Mutual Provident Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
'8' + 7 numbers33%0845 887 3777
Policies originally taken out from AMP are now being managed by Pearl.
Aviva Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
varies54.9%0800 953 1777
Aviva now manage Commercial Union, General Accident Compound and Norwich Union Life Insurance Society policies.
AXA Equity and Law Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
varies29.4%0845 070 7099
Britannia Life Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
6 numbers67%0845 305 5552
Policies originally taken out from Britannia Life are now being managed by Phoenix Life.
Britannic Assurance Plc Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
varies26.3%0845 305 5552
Policies originally taken out from Britannic Assurance plc are now being managed by Phoenix Life.
Canada Life Ltd Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
varies29.4%0845 606 0708
Canada Life now manage Manufacturers Life Assurance policies.
Clerical Medical and General Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
varies78.8%0845 603 6770
Colonial Mutual Life Assurance Society Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
varies24.7%-
Commercial Union Life Assurance Company Limited Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
'CO' + 7 numbers and 1 letter54.7%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
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
varies57.7%0845 746 4646
Eagle Star Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
'0' + 7 numbers53%0845 723 4040
Policies originally taken out from Eagle Star are now being managed by Zurich.
Ecclesiastical Insurance Office Plc Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
varies50%0870 870 8056
Friends Life Endowment Policy (From Aug '93)
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
number '1' + 7 numbers76.8%0845 602 9199
Friends Life now manage London and Manchester Assurance Company Limited policies.
Friends Life Endowment Policy (Pre-Aug '93)
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
7 numbers76.8%0845 602 9199
Friends Life now manage London and Manchester Assurance Company Limited policies.
General Accident Compound Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
7 numbers, 2 letters61.1%0800 953 1777
Policies originally taken out from General Accident Compound are now managed by Aviva.
Guardian Assurance Plc Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
varies54.2%0845 948 9000
Legal and General Assurance Society Limited Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
'00' + 7 numbers53.2%0370 333 3683
Liverpool Victoria Friendly Society Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
varies50%0800 756 8052
Liverpool Victoria Friendly Society is now known as LV=.
London and Manchester Assurance Company Limited Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
varies50%-
Policies originally taken out from London and Manchester Assurance Company are now being managed by Friends Life.
Manufacturers Life Assurance Endowment Policy
Endowment Policy Number FormatHow Often We Beat Surrender ValueLife Office Contact Number
varies-0845 606 0708
Policies originally taken out from Manufacturers Life Assurance are now being managed by Canada Life.

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How to Get the Best Price Selling Your Endowment

by BillJ

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