Endowment valuations are carried out every day by the uk endowment valuers, to determine if the endowment can be sold for more money than the surrender valuation given by the issuing life office.

What is an endowment valuation ?

The issuing life office, if asked, will give an endowment valuation in the form of a surrender value. An endowment buyer, or endowment policy traders, will give an endowment policy valuation in the form of an offer to buy the endowment policy as an ongoing concern.

What's the difference between these two types of endowment valuation ?

In a number of cases the main financial difference is a significant uplift in cash provided by the private "open market" endowment buyers, compared to what the life office has offered. The endowment buyers endowment valuation looks at the policy as an ongoing investment which they take over and continue with. The life offices endowment valuation is based on surrendering the endowment policy so that it expires.

If a policy holder has decided to cash in, or surrender, their endowment policy and prudently has an endowment valuation carried out by both methods, then it is difficult to imagine why that person would surrender he endowment instead of selling it, if the endowment policy trader is offering a significant amount more.

Endowment valuations are quick and easy.

Why not get an endowment valuation now ?

Use the "value my policies" link above to get an endowment valuation.

 

"Selling endowment policies is no more complicated than surrendering endowment policies"

Why not let the endowment buyers carry out an endowment valuation on your policy.