Secure Low Risk Investment

Investment in second hand endowment policies i guaranteed to pay at maturity the basic sum assured plus all attaching bonuses!

The insurance companies invest the policy holder's monies in low risk diversified investments such as fixed income securities and property. Policy holder's monies are also invested in the equity market both in the United Kingdom and overseas.

The portfolio managers of these funds are able to make long term prudent investment decisions.

A policy is guaranteed to pay at maturity the basic sum assured plus all bonuses attached, each year additional bonuses may be added increasing this amount, thus a large element of the maturity value is guaranteed.

In addition the Insurance Company may also pay a Terminal Bonus at maturity. This bonus represents the extra value earned within the portfolio over the period of the policy, which has not been already added by way of annual Reversionary Bonuses but has been held in the insurance companies reserves. The Terminal Bonus cannot be guaranteed as it can only be calculated at the maturity date.

The insurance companies are bound by contract and by statute to pay the guaranteed amounts.