Free Thinking Dreamer

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.

Back to Home

I feel both happy and sad about traffic of this blog, based on my sitemeter details. I feel happy because i got a lot of traffics recently. I feel sad because most traffics are coming from search engines, only pointing to these two posts: Top 50 Japan AV Idols and Maria Ozawa is Out of Top 50 AV Idols. I felt like, geeez... My others posts means nothing compared to posts about Japan AV idols. All right, I accept that my other posts are no more than garbages. Yeah yeah, I know that porn is on top list of internet surf like before, now and may be, always will. However, I take it as a good constructive critic for me.

Actually, I wrote those 2 posts with intention to give information only. But it seems people from all over the world keep coming day after day. May be they want 'more informations' about Japan AV idols. I understand, Japan AV idols have world wide fans. So guest what, guys? I will give that 'more informations' you want. I will give you Japan AV idols' pictures this time.

"Oh, how good of you!"

I know.

"Why do you do this?"

Because I feel pity for you. Ha ha... Just kidding. Because I don't want to be a hypocrite. I like Japan AV idols. Some of most beautiful women in the world are there. I adore them. I adore the beauty of women. I want you to be an adorer too not just seeing women as sexual objects. More important thing is that you can appreciate women around you more.

But please keep in mind, guys, that I don't want to turn this blog into porn blog. Google doesn't allow porn on blogger/blogspot blog anyway. That's why I will only give you download links. Hopefully I don't break Google TOS. If you have an objection about this post, please tell me first before you flag this blog since this blog is my personal blog. I will keep posting as usual and you can check this blog if I write other posts about Japan AV idols.

Here are download links to pictures (HQ) of top 1-10 Japan AV idols based on this list:

01. Suzuka Ishikawa.zip
02. Kanako Tsuchiya.zip
03. Risa Kasumi.zip
04. Yui Seto.zip
05. Rika Aiuchi.zip
06. Saki Koto.zip
07. Aino Kishi.zip
08. Takami Hou.zip
09. Risa Chigasaki.zip
10. Sora Aoi.zip

Note that all pictures are on outside server belongs to somebody else. I don't own the copyright of the pictures. All copyrights belong to their respective owners. If the owners complain me about these links, I will remove them from this blog.

Check back/subscribe to know when I post more pictures of the rest idols on list or my other favorite idols.

Enjoy it, guys. Please leave comment if you like this post. If you don't like it, well, guess I should stop writing this topic.

Back to Home