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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台北汽車機車借款

三重區當鋪

法律諮詢

免費法律諮詢

酷哥 said...


離婚

通姦

妨害家庭

離婚協議

監護權

民事訴訟

律師事務所

贍養費

法律諮詢免費

高雄當舖

高雄汽車借錢

高雄機車借錢

高雄借錢

高雄免留車

酷哥 said...

汽車報廢

汽車報廢回收

桃園搬家

台北搬家

基隆搬家

桃園搬家公司

台北搬家公司

基隆搬家公司

廢棄物處理

廢棄物清運

廢棄家具

垃圾處理

新店搬家

樹林搬家

土城搬家

機場接送

蘆洲搬家

新莊搬家

招牌

招牌設計

三峽搬家

鶯歌搬家

團體服

POLO衫

T恤

中和搬家

倉儲

倉庫出租

物流公司

系統傢俱

系統櫃

廚具

系統櫃工廠

廚具工廠

台北汽車機車借款

中和區汽車機車借款

萬華區當鋪

萬華區汽車機車借款

板橋區當鋪

板橋區汽車機車借款

台北汽車機車借款

酷哥 said...

汽車報廢

汽車報廢回收

桃園搬家

台北搬家

基隆搬家

桃園搬家公司

台北搬家公司

基隆搬家公司

廢棄物處理

廢棄物清運

廢棄家具

垃圾處理

新店搬家

樹林搬家

土城搬家

機場接送

蘆洲搬家

新莊搬家

招牌

招牌設計

三峽搬家

鶯歌搬家

團體服

POLO衫

T恤

中和搬家

倉儲

倉庫出租

物流公司

系統傢俱

系統櫃

廚具

系統櫃工廠

廚具工廠

台北汽車機車借款

中和區汽車機車借款

萬華區當鋪

酷哥 said...

偵探社

偵探公司

偵探公司

優良徵信公司

優良徵信公司

優良徵信公司

優良徵信

優良徵信社

捉姦

捉姦

捉姦

外遇調查

蒐證

搜證

行蹤調查

行蹤調查

仿冒

仿冒

大陸抓姦

工商徵信

工商徵信

徵信協會

信用調查

老公外遇

商業調查

商業調查

離婚諮詢

離婚法律

台南徵信社

台南徵信

高雄徵信社

外遇

酷哥 said...


汽車美容

鍍膜

環保袋

微整形

婚禮攝影

外遇

外遇

尋人

尋人

徵信業

徵信業

徵信業

台北徵信

新北市徵信社

徵信公會

桃園徵信

桃園徵信社

新竹徵信公司

台中徵信

偵探社

酷哥 said...

倉儲

倉庫出租

物流公司

系統傢俱

系統櫃

廚具

系統櫃工廠

廚具工廠

台北汽車機車借款

中和區汽車機車借款

萬華區當鋪

萬華區汽車機車借款

板橋區當鋪

板橋區汽車機車借款

台北汽車機車借款

中山區當鋪

三重區當鋪

中和區當鋪

搬家公司

台北當舖

台北借錢

台北機車借款

台北汽車借款

台北免留車

台北免留車

鰻魚飯

好吃鰻魚飯

台北鰻魚飯

白蟻

日本留學

人力仲介

人力仲介

人力仲介

酷哥 said...


汽車報廢

汽車報廢回收

桃園搬家

台北搬家

基隆搬家

桃園搬家公司

台北搬家公司

基隆搬家公司

廢棄物處理

廢棄物清運

廢棄家具

垃圾處理

新店搬家

樹林搬家

土城搬家

機場接送

蘆洲搬家

新莊搬家

招牌

招牌設計

三峽搬家

鶯歌搬家

團體服

POLO衫

T恤

中和搬家

倉儲

倉庫出租

物流公司

系統傢俱

系統櫃

廚具

系統櫃工廠

廚具工廠

台北汽車機車借款

中和區汽車機車借款

萬華區當鋪

萬華區汽車機車借款

酷哥 said...


汽車報廢

汽車報廢回收

桃園搬家

台北搬家

基隆搬家

桃園搬家公司

台北搬家公司

基隆搬家公司

廢棄物處理

廢棄物清運

廢棄家具

垃圾處理

新店搬家

樹林搬家

土城搬家

機場接送

蘆洲搬家

新莊搬家

招牌

招牌設計

三峽搬家

鶯歌搬家

團體服

POLO衫

T恤

中和搬家

倉儲

倉庫出租

物流公司

系統傢俱

系統櫃

廚具

系統櫃工廠

廚具工廠

台北汽車機車借款

中和區汽車機車借款

萬華區當鋪

萬華區汽車機車借款

酷哥 said...


免費法律諮詢

離婚

通姦

監護權

律師事務所

抓漏

防水抓漏

外牆清洗

贍養費

收帳

偵探

酷哥 said...


酒店兼差

酒店小姐

酒店小姐

打工

XBOX 360遊戲片

酒店打工

民間借貸 said...

good

收購老酒 said...

goodgoodgoodgoodgood

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