I know it can be achieved, but no-one I know has ever had a quote that matched the surrender value. The criteria companies that buy use are generally:
1) With profits policies only
2) More than three years old
3) Of a large-enough size.
Most companies are traders - ie they will buy and sel
Even if you are expert when it comes to selling endowment policies, chances are that everyone is going to want a helping hand when they set out to do this. For this reason many people enlist the help of a company that specializes in selling endowment policies. Whether it's because you simply wan
If you cash it in you are crystallising your losses.
By leaving it where it is you are taking a risk that shares will fall further, but in a timescale of three years I think you will find that you will get a better return (based on the current value) by leaving it in shares than by putting it i