Endowment surrender

Endowment surrender is a means of cashing in an endowment policy early before it reaches maturity. By surrendering the policy back to the Life Company that sold it to you, you can recover some of the value of your investment.

There are many reasons for wanting to surrender your endowment policy before it matures. Endowment surrender can seem like the only option if you are facing a change in your financial circumstances and want to liquidate some of your assets, but it’s not the only option.

Endowment surrender – getting the most for your money

Endowment surrender may not offer the same financial rewards that selling does, and so the amount you receive in return for your policy could be less than you might be expecting.

Endowment surrender is not your only option when it comes to converting your policy into cash. You can also sell your endowment policy on to a third party.

aap is the UK’s leading endowment policy buyer, having been involved in the purchase of over £1 billion worth of endowment policies to date. With aap you could receive up to 35% more than the endowment surrender value for your policy – find out more about the potential pitfalls of Endowment Surrender.

Let's value your policy right now

To find out if your policy is suitable for sale, please follow the steps below:

1: Please select the relevant life company:

This is the life office that you took your policy out with originally. Many life companies have merged in recent times, so please check your policy document to verify you have entered the correct name.

2: Please enter the year your policy started:

This is the start date of the policy. Also known as the effective date. Normally the date your first premium was due to be paid.