selling Phoenix Life  endowments for more than the surrender value
Phoenix Life  endowment policy buyers
sell endowment policies to endowment policy traders


Selling Phoenix Life  Endowments


Phoenix Life  With Profits Endowments


If your endowment policy with Phoenix Life  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 Phoenix Life  endowment policy


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


The Phoenix Group (formerly Pearl Group) is one of the largest providers of insurance services in the United Kingdom and is listed on the London Stock Exchange.

The Phoenix group is split into two sections Life assurance and Asset management.
Life assurance
Phoenix Life comprises four regulated life companies:
Phoenix Life Limited; Phoenix Life Assurance Ltd. (prior to 28 September 2012, known as Pearl Assurance Limited) Phoenix Ireland - Phoenix Life Limited (Irish branch)
NPI - National Provident Life Limited
Scottish Mutual International Limited (Republic of Ireland)
Asset management
Ignis Asset Management (formerly Resolution Asset Management)


Endowment policies from a number of different companies are now under the Phoenix Life banner and include:

Alba Life
Allianz Cornhill
Century Life
London Life
NPI and National Provident Life
Pearl Assurance
Royal & Sun Alliance
Scottish Mutual
Scottish Provident
Swiss Life (UK)

Phoenix Life  Endowment Policies That Sell

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

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


endowment policies that sell to endowment policy traders

Only Phoenix Life  "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."