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In this section you can navigate the aap website. Find out about how to sell an endowment policy and the differences between selling and surrender. You can also find out about Traded Endowment Policies and how to buy them from aap.

Home - aap is the largest endowment policy seller in the UK, so if you’re thinking of selling your endowment, aap should be your first port of call.

Selling an Endowment Policy - Use our simple form to find out if your policy is suitable for endowment selling.

Case Studies - Find out how some of our previous clients have benefited from selling their endowment policies.

About aap - Learn more about endowment selling specialists aap.

Latest Endowment News - Read up on the latest developments and events in our UK endowment news section.

aap Media - Browse through our TV and radio commercials to see how aap can help you sell your endowment policy.

aap Movie - View a short film about aap and our work in trading endowment policies.

our TV ad - Take a look at our latest TV advert for more information on our endowment policy services.

Endowment Press Articles - A full list of informative press articles on endowment selling and aap.

Financial Advisor Centre - This section of the site provides information on endowment trading for independent financial advisors.

Contact us - If you want to contact us about buying or selling endowment policies or if you want more information about aap, you’ll find all our details here.

Selling endowments - FAQ's - Read our list of the most frequently asked questions we’ve received about selling endowments.

Selling an Endowment Policy - More information on the process by which aap goes about buying endowment policies.

Endowment Policy Partner - Endowment selling as featured on thisismoney

About Traded Endowment Policies - Traded endowment policies (TEPs) are a type of investment that are easily bought and sold.

About Endowments - Find out more about endowment policies and how they work.

How aap Can Help - aap is the UK’s leading endowment policy buyer, and we can help you sell your policy with the minimum of fuss.

Endowment Surrender - Endowment policy surrender is not your only option if you have an endowment policy you no longer need.

Sell an Endowment - Endowment selling with aap allows you to raise capital quickly should you need to.

Buying and Selling - aap has been buying and selling endowment policies for over thirty years, and is now an expert in the field.

Case Studies - Selling a Policy - These case studies demonstrate some of the benefits of selling a policy with aap.

Why Sell an Endowment? - Explore some of the reasons people have for selling an endowment policy.

Endowment Sale - For fast, efficient service, let aap manage your endowment sale.

aap Will Buy Your Endowment Policy - aap will buy your endowment policy provided it meets certain criteria.

Traded Policies - Traded policies can be easily bought and sold on the open market, allowing you to sell a policy you no longer want.

Endowment Life Companies - An extensive list of links to the UK’s major life companies.

Buying Endowment Policy - aap specialises in buying endowment policies, and we can help if you have an endowment policy you no longer need.

Cash Endowment Policy - If you’re looking to cash your endowment policy in, aap can help.

Cashing Endowment - Selling provides better returns than surrender when cashing your endowment in.

Cashing Endowment Policy - If you’re thinking of cashing your endowment policy in, selling your policy gives a higher return than surrender.

Cashing In Endowment - Cashing in an endowment policy can be an excellent way to give your finances an injection of cash.

Endowment Policy Surrender - Endowment policy surrender is one way of cashing in an unwanted policy, but it’s seldom the best course of action.

Traded Endowment Policy - aap is the UK’s leading traded endowment policy buyer, and we can help if you have a policy you’re considering surrendering.

Endowment Sale - When you conduct your endowment sale with aap, we guarantee to offer you more than the surrender value of your policy.

Endowment Sales - aap has been involved in endowment sales for over thirty years, and is an acknowledged expert in the field.

Endowment Selling - Endowment selling allows you to cash in an unwanted endowment policy with a higher return than endowment surrender.

Endowment Trading - The endowment trading market has grown in recent years as investors seek to buy endowment policies that are no longer needed.

Policy Surrender - Policy surrender is one way of cashing in an endowment policy that is no longer needed, but it does not offer the same return as endowment selling.

Sell Endowment Policies - aap has been helping people sell endowment policies for over thirty years, making sure they get the best return for their policy.

Selling An Endowment - Selling an endowment with aap allows you to recover far more than the surrender value from an unneeded endowment policy.

Selling Endowments - aap does everything possible to make the process of selling endowments as simple and straightforward as possible.

Sell My Endowment Policy - Find out more about how easy it is to sell your endowment policy with aap.

Surrender Endowment Policy - If you surrender your endowment policy you could be missing out: selling your endowment policy yields a higher return.

Traded Endowment - The market for traded endowments is currently booming, so if you have an endowment policy you no longer need, selling it on is simple with aap.

Traded Endowment Policy - aap is the UK’s leading buyer and seller of traded endowment policies, so if you want to sell your endowment, aap is the logical choice.

Traded Endowments - Traded endowments are held in high demand by investors, making selling your endowment easier than ever before.

Privacy Policy - Read our privacy policy here.

Terms and Conditions - Read the terms and conditions associated with this site.

Endowment terms

Endowment - Find out exactly what an endowment policy is, including with-profits endowments.

Cash endowment - Get information on how to cash an endowment and how much you could get from aap.

Endowment policies - Read about endowment policies, what they are and how they work.

Endowment policies selling - If you’re interested in endowment policies selling, you can learn more here.

Endowment policy - Learn more about what an endowment policy is and how it works.

Endowment policy sell - If you have an endowment policy to sell, aap can help. Find out more here.

Endowment policy selling - Get information on how aap can help with endowment policy selling and how you can get up to 35% more.

Endowment sale - Are you looking to put an endowment up for sale? Let aap handle your endowment sale.

Endowment sales - Endowment sales are a popular way of raising cash when you no longer require an endowment.

Endowment sell - Do you have an endowment to sell? aap can offer you up to 35% more for your policy.

Endowment selling - Endowment selling is made easier with aap.

Endowment surrender - Endowment surrender is one option when you have a policy you no longer require. Find out more here.

Endowments - Get information on endowments. If you are looking to sell yours, you can find out more here.

Endowments policies - Endowments policies can be both bought and sold. Read more about selling yours to the UK’s top buyer - aap.

Endowments policy - Find out more about endowments policy sales Vs surrender.

Endowments sell - Do you have endowments to sell? Let aap handle it and you could get up to 35% more.

Endowments selling - Endowments selling has never been easier with aap. Find out all you need to know right here.

Policy surrender - Are you considering policy surrender or policy sales? If it’s sales then look no further than aap.

Sell endowment - Find out all you need to know to sell an endowment with aap.

Sell endowment policy - If you are already considering how to sell an endowment policy, you can find out more here.

Sell my endowment - If the question you’re asking is ‘how do I sell my endowment?’ this section may help answer your questions.

Sell policy - Get information on how to sell a policy.

Selling an endowment - Selling an endowment is easy with aap. You can let aap handle all the paperwork and get up to 35% more.

Selling endowment - If you are considering selling an endowment, read on to get as much information as possible before you decide.

Selling endowment policies - aap has been buying and selling endowment policies for decades and is the UK’s largest market maker.

Selling endowment policy - Selling an endowment policy through aap lets you take advantage of aap’s wide experience and expertise in the field of endowment purchasing.

Selling endowments - Considering selling endowments? Let aap handle your sale from start to finish.

Surrender endowment - Some people surrender endowments back to the providing life company. Make sure you have all the available information to hand before making a decision either way.

Press and Internet articles featuring aap

Selling endowments – featured press articles - Read press and Internet articles on the TEP market, selling endowments and aap’s success in buying and selling endowment policies.

Endowment policy buyer (The Scotsman) - This article from The Scotsman explains why many sell endowments, how to go about it and highlights aap – the UK’s biggest endowment policy buyer.

Traded Endowment Policy (The Telegraph) – This article from The Telegraph.co.uk is all about buying on the Traded Endowment

Policy market. TEPs (The Telegraph) – This article from The Telegraph.co.uk is about the burgeoning market for TEPs (Traded Endowment Policies), explaining the attractiveness of TEPs to unit investors.

TEPs – Selling endowment policies (The Telegraph) – This article from The Telegraph.co.uk explains how life companies are now compelled to make their customers aware of the alternatives to surrender and the possibility of selling endowment policies as TEPs.

Sell a policy (The Telegraph) – This article from The Telegraph.co.uk explains how to sell a policy as a traded endowment and the changing climate for endowments.

Buy endowment policies (The Telegraph) – This article from The Telegraph.co.uk is about companies that buy endowment policies as investments or to sell on the traded endowment (TEP) market.

Endowments selling (UKCityMedia) – This article from UKCityMedia is all about endowments selling and the TEP market.

Endowment policy surrender (UKCityMedia) – This article from UKCityMedia is all about endowment policy surrender and the fact that life companies must disclose alternatives to endowment policy surrender.

Selling an endowment (Investment International) – This article from Investment International is about the trend in surrendering or selling an endowment and the potential offered by investing in a traded endowment.

Cashing in an endowment (The Guardian) – This article from The Guardian is about cashing in an endowment, how to go about it and the popularity of sold endowments to investors in traded policies.

Surrender endowment policies (The Guardian) – This article from The Guardian is about the regulations that life companies should follow to make those interested in the surrender of endowment policies aware of selling.

Traded endowments (FindArticles) – This article from FindArticles is about traded endowments, or TEPs, as they are also known.

Endowment trading (Incisive Media) – This article from Incisive Media is about endowment trading and the TEP market. aap is singled out as an endowment trading expert.

Endowment sell (This is Money) – This article from This is Money is about the possibilities of what you can do with an endowment. Sell or surrender? aap is quoted as an expert, claiming more money can be gained from selling than surrender if you have an endowment to sell.

Endowment sale (The Motley Fool) –This article from The Motley Fool is about endowment sale. It advises people who have policies they no longer require, to consider selling their endowment.

Traded Endowment Policies - Sell an Endowment

Traded endowment policies are with-profit endowment policies that are bought and sold by policyholders, investors and market makers. For those who need cash quickly, there are many advantages to selling an endowment policy. When you sell your endowment policy through aap you are guaranteed to get more than the life office surrender value.

aap was established in 1968 and is one of the leading market makers in the buying and selling of traded endowment policies. aap have been involved in the purchase of over £1 billion worth of traded endowment policies. aap has a large and professional team dedicated to providing a fast, efficient and friendly service for those who wish to sell an endowment. If you have an endowment policy you want to sell you could get up to 35% more cash by selling your policy through aap than if you surrendered your policy back to the life company

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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.