selling Cooperative Insurance endowments for more than the surrender value
endowment policy buyers
sell endowment policies to endowment policy traders


Selling Cooperative Insurance Endowments


Cooperative Insurance With Profits Endowments


If your endowment policy with Cooperative Insurance 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 Cooperative Insurance endowment policy


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


The Co-operative Life & Health Insurance is now part of Royal London

This what their message to exiting policy holders is on their website:
"If you have an existing Co-operative Insurance Life or Health insurance policy, Royal London will now look after your policy. Your product's terms and conditions, benefits and protection will remain the same. You don't need to do anything as a result of this change.

Please continue to the Royal London website if you would like more information on servicing your Life or Health insurance policy or on this change.

Friends Life Policies
If you have a Friends Life Policy sold through The Co-operative Bank then your policy will remain unchanged. Go to Friends Life Policy information"


Cooperative Insurance Endowment Policies That Sell

In order to stand the best possible chance of selling your Cooperative Insurance endowment please take not of the points below:

  • Your Cooperative Insurance endowment policy should be at least 5 years old.
  • The Cooperative Insurance 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 Cooperative Insurance 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 Cooperative Insurance 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 Cooperative Insurance endowment selling form and submit your endowment policy sales details
await an offer for selling endowments Await a response to see if your Cooperative Insurance endowment policy has received an offer


endowment policies that sell to endowment policy traders

 Only Cooperative Insurance

 "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."