Traded Endowment Policies
Previous article about basic endowment policy you can view here.
Traded endowment policies (TEPs) are policies that the original policyholder has sold to a third party with complete assignment of all future benefits. In other words it's another way of saying that they are second hand endowment policies.
These are common because it is very unusual for a policyholder to maintain its policy until it reaches its maturity date which is generally 25 years after the policy began. The policy will be surrendered to the insurance company which give a quote that always lower price than the price buyer purchased. Another way of selling endowment policies is by selling them to a open market.
Traded endowment policies (TEPs) is also a way of investing. An investor can buy endowment policies sold by Traded endowment policies (TEPs) companies.
There are benefits for the people who are selling their policies through Traded endowment policies (TEPs) market. It is very likely that they are going to get more money for their own endowment policies by selling them in this way, rather than by surrendering to the company they have bought them from. As well as this is the added bonus that when you sell your policies you no longer have to pay premiums for them.
Traded endowment policies (TEPs) companies trade traditional with-profits policies from leading insurance companies, which offer a unique mix of capital guarantees and potential for future growth. The market for Traded endowment policies (TEPs) works on the assumption that endowment policies will grow steadily in value until they mature. As each policy has a maturity date, an investor can buy one knowing exactly when it will pay out which provides financial stability for the buyer.
Traded endowment policies (TEPs) have a guaranteed sum assured and additional bonuses. These are known as reversionary bonuses and once allocated, cannot be removed or reduced providing premiums are maintained until maturity.
Investors receive all the advantages of the policies past performance and future bonuses making them an attractive prospect. As a result of this, traded endowment policies provide long term security and greater opportunities for potential investment growth.
With-profits policies provide smoothed growth by using reserves built up in good years to support returns in leaner years. Smoothing creates an investment lag and so the strong recovery in underlying funds in recent years has only just started to be passed on to policyholders through increased bonus rates.
Since traditional with-profits policies are no longer available as new investments so the only way to tap into this market is through Traded Endowment Policies (TEPs). As most funds are now closed to new business with-profits market into a long slow run off stage. This means that all existing reserves and surpluses will be distributed among the remaining investors. This condition make it possible for investors to capitalize on the hidden value in with-profits funds.
Many with-profits funds have surpluses, which were built up over many years. These 'orphan' assets mean more hidden value with-profits and increase revenues in the coming years.
Given that the fund-gains approach maturity of all reserves and surpluses should be distributed. This division will have to take place for at least the last ten years the existence of the fund to ensure fair treatment of the policyholder and that in the last few policyholders don't get everything.
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