In most cases, simply surrendering the policy to the issuer will mean that you will lose a lot of your investment, but there is an alternative.
Instead of surrendering the policy and returning it to the policy provider, there are a number of agencies who will be able to sell on your policy to a third party and may well be in a position to offer you a better deal. One such service offering to Sell Endowments is endowment express who say they can find buyers willing to pay up to 30% more than the policy surrender value.
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