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The
Investment Appeal of Traded Endowment Policies
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Recent
events have made most investors reconsider
their investment strategy. Today there is
a heightened emphasis on security of capital
and lowering of risk. That's why Traded
Endowment Policies (TEPs) are proving ever
more popular. It's demonstrated by the fact
that the market for TEPs has grown consistently
every year since it's inception in 1988.
The combination of security and growth is
considered ideal for building capital to
meet a variety of financial needs.
Insurance
companies invest policy holder's monies
in low risk, well diversified, pooled portfolios
of investments. These portfolios comprise
investments in fixed income securities,
property and equities, both in the United
Kingdom and overseas. The size of the investment
portfolios and the low risk nature of the
investments within enable the insurance
companies to make long term, prudent investment
decisions.
As
an investment product, TEPs were designed
with a smoothing effect. Life companies
reserve some of the profits made in good
years to boost poor returns in the downturn
years.
Just
fill out our Buy TEPs
Form, and
we will contact you to see what we can do
for you.
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An
investment in TEPs can offer:
High returns with low risk
Capital guarantees greater than sums invested
A tax-free investment
May be ideal for retirement, school fees or tax planning
A fixed maturity date
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Sound
Complicated?
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Insurance
companies do not pay the full value of a
policy until it matures. Therefore, when
an investor purchases a Traded Endowment
Policy it can be at a substantial discount
to its underlying value, especially as all
the initial expenses and commissions have
usually been borne by the original policyholder.
Once our TEP associate has been advised
of the investor's policy selection, a Sales
Contract and Deeds of Assignment will be
prepared for the policy, at no cost to the
investor, which transfers all rights to
the policy to the investor. The new investor
must continue the premium payments until
maturity at which time all the proceeds
are paid by the insurance company to the
new investor and not to the original policy
holder who has given up all rights to the
policy.
On
the purchase of a Traded Endowment Policy
we arrange to notify the insurance company
of the new owner and deposit a copy of the
legal assignment to protect the new owner's
rights. It is therefore the new owners'
details that appear on the insurance company's
records as being entitled to the policy
proceeds. The insurance company will write
to the new owner, approximately one month
prior to maturity and arrange for the investor's
preferred method of payment of the fully
matured policy proceeds.
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