Endowments

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Endowments

There are several types of endowments - With profit endowments, Low start endowments and Unit-linked endowments.

Click here for details of how to sell your endowment policy or how to claim compensation if you have been mis-sold an endowment.

With Profit Endowments

With Profit Endowments are for a fixed sum for a fixed period. Bonuses from investments declared by the assurance company are included at maturity. There are two types:

• Full with profit ensures the full value of your loan back but is expensive.
• With profit - guarantees only a percentage of the original loan amount agreed upon contract. Cheaper and more common, but prone to shortfalls.

Low Start Endowments

Low Start Endowments are usually for a period of 25 years with an increasing premium rate. These are not suitable for early trading.

Unit-Linked Endowments

Unit-Linked Endowments are also available. Click here for more information.