selling Reliance Mutual  endowments for more than the surrender value
Reliance Mutual  endowment policy buyers
sell endowment policies to endowment policy traders


Selling Refuge  Endowments


Refuge  With Profits Endowments


If your endowment policy with Refuge 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 Refuge  endowment policy


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


The Refuge Assurance Company Ltd. was a life insurance and pensions company based in England. It was founded by James Proctor and George Robins in Dukinfield, Cheshire in 1858


After disappointing performances following the merger, the United Assurance Group was first approached by Britannic Assurance in November 1999, and then by Royal London Mutual Insurance Society in February 2000

Refuge  Endowment Policies That Sell


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

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


endowment policies that sell to endowment policy traders

Only Refuge  "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."