Types Of Endowment Policies

By Robert Prime

What is an Endowment Policy?

An endowment policy is a life insurance policy that agrees to pay a particular amount of money either on the maturity date mentioned in the policy or on death of the policy holder, whichever is earlier. The time period that a policy covers may vary from policy to policy and the benefits are tax free. An insured has the right to surrender or sell his policy in mid-term incase of financial need. But an early surrender of insurance policy may fetch the policy holder a lesser amount. Hence, it is favorable to sell the policy after a certain specified time period in order to get higher amount from the sale of the policy.

Types of Endowment Policies

YouTube Preview Image

— Non profit Endowment Policy: In non profit endowment policy, a lump sum amount is promised to be paid at the time of maturity or on death of the policy holder whichever is earlier.

— Traditional with profits Endowments: This policy assures a sum of money that will be paid at the time of maturity or death of the policy holder. The amount of the policy increases as the policy holder gets regular / reversionary bonuses. These are guaranteed bonuses that the policy holder receives. In some cases, a non-guaranteed bonus known as terminal bonus may also be paid at the expiration of the endowment policy. People generally buy such endowment policy with a specific objective, which could either be repaying a mortgage or for regular income.

— Low Cost Endowment Policy: This policy is a combination of traditional with profits endowment, where estimated growth rate will meet the mortgage amount and reducing term assures that the target mortgage amount is paid as minimum in case policy holder dies. If the sum has risen at a particular rate then the amount will be enough to pay the outstanding loan. But in case the bonus rate falls, there is no guarantee that the return will be sufficient to meet the outstanding mortgage. This policy gives a guaranteed level of death benefit that makes enough to pay the outstanding loan.

— Unit Linked Endowment Policy: There is no fixed amount promised at the time of policy maturity in this policy. The time period of policy and mortgage period are equal. The premiums are used for investment in units of policy holder’s choice. These units are further cancelled to buy the life cover. The maturity value of the policy depends upon performance of the units and there is no surety that the returns would be enough to repay the loan. But in case the policy holder dies then a guaranteed amount equivalent to the outstanding loan amount is given.

— Traded Endowment Policy: This can be well understood as a second hand endowment policy. Here the policy buyer purchases the policy at a price higher than the surrender value offered by the insurance firm because the policy will for sure fetch the buyer a higher amount at the time of maturity. The rights and benefits of the policy get transferred to the buyer. In case the actual policy holder dies, the buyer gets full benefit from the policy without any claim from the beneficiaries of the deceased.

Where to Buy and Sell Endowment Policies

When the need arises for buying and selling endowment policies there are a number of intermediary companies that help you get the best deals for selling and buying endowment policies. It is better if you contact an endowment selling and buying firm because they advice you the best regarding whether to sell your policy in the open market or surrender it to the insurance company. These broker firms search the best buyers for your policy and help you to get a true value of your policy.

Endowment-policy.co.uk is one such dedicated website with high expertise in selling endowment policies. They offer services for selling or surrendering your endowment policy at best value. This company is reliable and helps you to maximize your profits. For further details, visit http://www.endowment-policy.co.uk

About the Author: Robert Prime is a professional author who has written many articles on various topics & this time writing article on Types of Endowment Policies. For more details about Types of Endowment Policies visit:




Permanent Link:


Choosing Top Rated Accounting Services}

Choosing Top Rated Accounting Services


Brian MillerYou gain time and you make sure that your financial functions are performed with maximum efficiency when you rely on competent accounting services. Get some tips to help with your selection process.

Companies that offer accounting services may focus mainly on payroll, or book keeping. It is highly important that you select a company that offers comprehensible accounting services or focuses on the functions that you require for your business. As always, online facts and references can be relevant when it comes to researching your options. Suggestions from friends and business partners can also be helpful, but you shouldn’t neglect doing your own documentation. Blogs, forums and reviews provide links to official accountancy companies, which you are advised to visit and further investigate your alternatives. When you visit these web sites take the time to verify a few aspects.

First of all, you should avoid hiring the accountancy services of a company that is not registered with a professional accountancy body or doesn’t have a valid license. If the company fails to provide clear references about who authorizes them to deliver their services, you should move on with your search. Checking credentials is the initial step that will help you reduce your options. Then you should investigate the size of the company and see if they meet your requirements. Big companies may offer impersonal services, but for very decent costs, which smaller one may have a more personal approach but also ask for higher rates. What really matters is that they promise high standards for the type of accountancy tasks you require.

Nothing works better for a company that the positive reviews of previous clients. You shouldn’t neglect this aspect. This will also allow you to find out whether they have managed similar projects before. For example, if you need guidance with company formation, you should take the time to find a company that specializes in this area. Payroll assistance with China WFOE is also quite a complex domain of activity and not all accountants are equally competent when it comes to such tasks. If you plan is to start up as China WFOE then you surely agree that you need all the guidance you can get, and you must carefully select your financial advisor. You have to pick an accountant who is well informed on the peculiarities of the area if you plan to initiate China WFOE. You can find the right strategy for the Chinese market and gain flexibility in managing the business and avoid getting stuck in cultural barriers.

An experienced accountant will ensure that everything is done correctly and on time, you can arrange meetings and personally discuss your expectations and requirements. An interview will offer you the chance to find out how professional the accountant is, how honest, upright, reliable and well informed. It’s a good idea to make your final choice after you arrange a few meetings and become better acquainted with your potential business partners. Find the best accountancy contractor to help you better administrate your financial functions!

Find highly recommended accountancy services at:

accounting services

and find the best solutions for China WFOE with:

China WFOE


Article Source:


Real Estate Investing Research: Is There A Real Estate Market Cycle “Crystal Ball”?}

Real Estate Investing Research: Is There a Real Estate Market Cycle “Crystal Ball”?


Danny Welsh

Real estate investing research is so very important. Clarity in the real estate marketplace is power. Professional investors have it. Speculators and novices are always seeking for it. Its why professional investors who understand the real estate market cycles and know how to research real estate markets can make more money in the longer term than speculators and flippers can make in the short term.

Gaining this clarity in the real estate marketplace is a function of examining hard data and asking objective questions of it.

What do I mean by that?

While theres no crystal ball that will tell you where to buy property and when to buy, and when to sell, there ARE certain economic and social indicators we can use to trigger our decision to invest or not invest (and even HOW to invest) in a given geographic area at any given point in time in the real estate marketplace.

Together, these indicators that drive the real estate market cycles. Can be uncovered with good real estate investing research.

Its a lot easier to focus your investing efforts when you can do two things, which this article will teach you how to do:

1. Invest nationwide (or worldwide), choosing markets that make sense for the current local real estate market cycle

2. Easily eliminate potential markets from contention that are less attractive than others right now

Please understand that these are macroeconomic factors, independent of where you live.

So you want to evaluate whether investing in a particular geographic area is a good idea or not. Successful investors understand that the real estate investing game is one of probabilities and not certainties.

Therefore, when evaluating which real estate markets are ripe for investment, and which kinds of investments will work best at that time, you need to look for certain telltale probabilities converging before you buy in an area.

Lets say someone tells you that City XYZ is the next big thing.

Would you want to take their word for it and just go and buy property there?

No, youd want to confirm what they told you, quickly and easily, by doing your own simple due diligence.

In point of fact, if youre like me”because your time is valuable, youd want a simple litmus test of how to research real estate markets and evaluate potential possibilities.

I promise you, no one is too busy for these simple tips you can use to gain a clear understanding of how the market trends work, see how to maximize your returns, find markets where the current real estate cycle fits the type and time-frame of investment youre looking to make, and even how to avoid investing in certain areas right now.

SoWhat about City XYZto invest or not to invest?

What elements and probabilities do you base your decision on?

1.You look for an area of strong demographic growth

2.You look for a strong, growing, and diverse economy

3.You look for an area of growing retirement and/or first-time homebuyer


4.You look for new and substantial infrastructure changes

5.You only move into undervalued markets

6.You look to acquire a property with strong potential for appreciation

7.You look for contracting vacancy trends

If you buy property in an area that meets these criteria, looking to invest with a longer term exit strategy in mind, are observant of where you are in the local real estate market cycles, and you always provide the rental type that renters prefer in that areayoure set.

All of this sounds like common sense, doesnt it?

Unfortunately, as someone once said: common sense aint common.

In a small article like this I cant tell you where to get all the real estate investing research data you need, and nor can I explain the fundamentals of real estate market cycles (something economists are much better qualified for) but heres a great resource you can use from now on. This is just ONE of the insider sources real estate pros use to determine market trends (and when and where to invest).

Click the link below and look for the Housing Price Index which will show you the most recent report by the United States Office of Fair Housing Enterprise Oversight, comparing how much and how fast your house appreciates and goes up in value, compared with houses in all the other major metro markets in the United States:


Where does your city rank?

I must tell you that while real estate investing research is INCREDIBLY important, simply taking action as an investor is the most important step in the drive to success in real estate investing.

It can also be the most difficult, because we are predisposed sometimes to want to see that all the lights are green ahead of us before we put our foot on the gas.

Of course, while knowing while that would make it that much easier to make a decision, it isnt always that straightforward even when you understand how to research real estate markets and have a good handle on real estate investing researchthis is because your own PERSONAL investment criteria, goals, and resources will determine what you can DO with what the market IS.

Thats why its SO key to know your own investment criteria, resources and goals. Because if you add THAT to a fundamental understanding of the marketplace and the trends of RIGHT NOWthat is a powerful combination.

With those two pieces to the investing puzzle its that much easier to take a look at a deal and decide to invest.

Or if the probabilities arent there and/or the deal doesnt fit in with your goals, you dont pull the trigger.

Its that simple.

Danny Welsh invites you to consider becoming a Select Member with http://www.hisrealestatenetwork.com. Want the very same criteria, valuating tools, statistics sources, figures, demographics, and trends experts use” all compiled into easy-to-digest electronic reports” you can use to evaluate whether investing in a particular area makes sense for your portfolio or not? Learn more about the resources for evaluating

real estate market cycles

when you become a Select Member with Americas #1 Real Estate Network” today.

Article Source: