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


Selling Scottish Mutual Assurance Society Endowments


Scottish Mutual Assurance Society With Profits Endowments


If your endowment policy with Scottish Mutual Assurance Society 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 Scottish Mutual Assurance Society endowment policy


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


Scottish Mutual Assurance Society
Scottish Mutual Assurance Society policies transferred to Scottish Mutual Assurance plc some time in 1991. Scottish Mutual Assurance plc was renamed Scottish Mutual Assurance Limited in September 2006 and policies moved to Phoenix Life Limited in 2009. Healthcare and protection policies with Scottish Mutual moved to Royal London in 2008.


Scottish Mutual Assurance Society Endowment Policies That Sell


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

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


endowment policies that sell to endowment policy traders

Only "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."