selling clerical medical endowments for more than the surrender value
clerical medical endowment policy buyers
sell endowment policies to endowment policy traders






If your endowment policy with CLERICAL MEDICAL AND GENERAL is not performing to expectations and are considering surrendering the policy and cashing it in, then you might want to consider selling it instead.i want to sell my CLERICAL MEDICAL AND GENERAL endowment policy


Read what the UK Government have to say about selling endowments below on the right.


Clerical Medical has been one of the leading providers of pensions and investments since 1824. They say they have always been dedicated to providing consistent, dependable services and products that meet their clients' investment needs.

From December 2009 Clerical Medical along with Scottish Widows became part of the Lloyds Banking Group, one of the biggest financial service providers in the UK. The new amalgamation of Scottish Widows and Clerical Medical intend to continue to deliver the products and services, both to new and existing clients, which have built their reputations of being at the forefront of helping clients build for their financial futures



In order to stand the best possible chance of selling your CLERICAL MEDICAL AND GENERAL endowment please take not of the points below:

  • Your CLERICAL MEDICAL AND GENERAL endowment policy should be at least 5 years old.
  • The CLERICAL MEDICAL AND GENERAL endowment must be 100% "With Profits" -  unitised and unit linked policies are not saleable.
  • The latest up-to-date surrender value must be at least £3000
  • All the required information on the endowment selling form has been supplied by you.



Click the banner above to sell CLERICAL MEDICAL AND GENERAL endowment policies




how to sell endowment policies
endowment selling checklist Print the endowment selling checklist to ensure you have all the details needed
endowment surrender value required before selling endowments Contact your CLERICAL MEDICAL AND GENERAL endowment policy life office to get the up-to-date surrender value. No more than 5 days old
selling endowments form to send to the endowment traders Fill in the CLERICAL MEDICAL AND GENERAL endowment selling form and submit your endowment policy sales details
await an offer for selling endowments Await a response to see if your CLERICAL MEDICAL AND GENERAL endowment policy has received an offer


endowment policies that sell to endowment policy traders


 GENERAL "With Profits"

 endowments are bought and

 sold. Unit linked and unitised

 endowment policies are not

 offered on by the endowment

 policy traders

advice on selling traded endowment policies   selling with profits endowments


Extracts From Government Publications


CP 106 "The Personal Investment Authority (PIA) issue guidance (Regulatory Update 85) in March 2001, asking provider firms to take steps to ensure that policyholders who were considering the surrender of a life policy were informed that they might be able to trade their policy instead."

COB 6.5.50R(5) "requires a firm to ensure that the policyholder is made aware of the existence of the secondary market and how he might access it."
"If you have a with-profits endowment policy, you may be able to sell it on the second-hand endowment market.
If you’ve been paying in for at least seven years, you’ll probably earn more if you sell a with-profits policy rather than cashing it in."