selling Guardian Assurance  endowments for more than the surrender value
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Selling Guardian Assurance Endowments


Guardian Assurance With Profits Endowments


If your endowment policy with Guardian Assurance 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 Guardian Assurance  endowment policy


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


Guardian was established in 1821. Originally called Guardian Fire & Life, it changed its name to Guardian Assurance in 1902.

In 1968 the company merged with Royal Exchange Assurance to form the Guardian Royal Exchange Group (GRE).

In 1999, the life and pensions businesses of GRE (which included Guardian Financial Services) along with the Guardian name were acquired by AEGON UK, part of the global AEGON Group.

Guardian Financial Services is the collective trading name for Guardian Assurance Ltd, Guardian Linked Life Assurance Ltd and Guardian Pensions Management Ltd.


Guardian Assurance Endowment Policies That Sell

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

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


endowment policies that sell to endowment policy traders

Only Guardian Assurance 

"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."