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Endowments

Endowment Policies

These are a common form of investment policy. Regular premiums are paid, and when the term of the endowment expires a lump sum is paid out. The lump sum may be used to repay a mortgage, for example, although to achieve this the investment performance needs to be sufficient to build up the required capital and this performance cannot be guaranteed.

Most endowments have a protection element such that if the policyholder should die then a lump sum becomes payable.

Levels and bases of and reliefs from taxation are subject to change and their value depends on the individual circumstances of the investor.

The value of your investment can go down as well as up and you may not get back the full amount invested.


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Sterling Independent Advisers LLP is authorised and regulated by the Financial Services Authority (FSA). Sterling Independent Advisers LLP is entered on the FSA register (www.fsa.gov.uk/register/) under reference 469508.

The FSA do not regulate National Savings products, loans, will writing, and some forms of mortgage, offshore funds and inheritance tax planning.

The advice and / or guidance contained within this site is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Company address: Sterling Independent Advisers LLP - Swan Court, Waterhouse Street, Hemel Hempstead, Hertfordshire, HP1 1DS
T: 01442 233210
F: 08714 290046

Email: advice@sterling-ind.com

Registration details: Registration address as company address
Registration number: OC328827
Registered in: England & Wales