Where to Find UK Endowment Policies

Primary Sources

1. Life Insurance Companies: Direct from insurers (Legal & General, Aviva, Royal London, Scottish Widows, etc.).
2. Independent Financial Advisers (IFAs): Whole-of-market comparison; suitability assessment.
3. Online Comparison Sites: MoneySuperMarket, CompareTheMarket, GoCompare, Confused.com—filter for endowments.
4. Banks & Building Societies: Many (HSBC, Lloyds, Nationwide) distribute or manufacture endowment products.

Buying Tips

• Check FCA registration (Financial Services Register).
• Understand charges (allocation rate, annual management charge, surrender penalties).
• Assess investment risk (with-profits vs. unit-linked).
• Confirm tax treatment (qualifying vs. non-qualifying).