Business Partners

We value the support of the advisory community, via whom we’ve provided cash out solutions to thousands of policyowners since 1994.
Advisers remain the primary nexus between policyholders wanting to access cash from their policy and our service, and today the majority of transactions are still conducted through adviser referrals.
If you wish to obtain a quote for a client, or receive our market updates please use the following links. Or feel free to Contact Us with any queries.

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Market Updates

February 2020

January inevitably brings predictions for the coming year, and the financial services industry is no exception.

November 2019

Every week we field enquiry from advisers and policyholders about cashing out a whole of life or endowment life policy.

July 2019

We regularly come across policies where bonuses have been cashed out to free up funds. But an alternative option offers flexibility and better value in certain circumstances.

April 2019

The owner of a tranche of policies, collective value $1M plus, who recently surrendered likely missed out on tens of thousands of dollars.

Feb 2019

We’ve had the busiest start to a year for some time. We’re about to start a radio campaign to raise awareness of exit options amongst owners of ‘orphaned’ policies.

August, 2018

A new range of exit options for certain types of life insurance policies allows owners to access policy funds prior to maturity – without fully exiting the policy.

October 2018

In 2019 AMP plans to sell its legacy business, reportedly $5.87 billion of assets, to Bermuda-based ‘zombie’ fund Resolution Life.

February, 2018

More life policies are being cashed up early to fund retirement. We’re investigating flexible cash-out options. Adviser remuneration reminder. Policyholder privacy.

November, 2017

Asset rich, cash poor? Asset decumulation is the new black. Find out if it’s better to take out a Reverse Mortgage or to cash in a life insurance policy, considering ‘overall net wealth’.

September, 2017

High property prices and changing priorities of ageing clients means we’re seeing more policyholders becoming creative in how they pass on their legacy.

October, 2017

Watching the US Life Settlements market closely, we’re testing demand for exit options involving partial sell-downs while retaining a portion of the policy for funeral cover.

August, 2017

Persistency rates are relatively high, matching the pre-retirement asset accumulation phase. Supplementing retirement income is growing in importance for policyholders, and financial distress is causing a rise in Endowment surrenders.

July, 2017

How to trade a policy when the policy documents are lost, plus how to use the one-month cooling off period to reinstate a policy and gain some extra money for your client.

June, 2017

Changes in financial and life circumstances (e.g. divorce, financial hardship, or death of a beneficiary) can often be a trigger for advisers to check in with a client regarding whether their financial needs are being served with their current portfolio.

 

We deal in whole of life and endowment policies issued by:

 

Policy Exchange is the trade name of Life Insurance Policy Exchange Limited, a registered Financial Service Provider [FSP 16342], which operates independently of all life insurance companies. Policy Exchange is an ‘execution only’ policy trader and as such does not provide advice as to whether or not you should cash out or surrender part or all of your policy, nor does it provide advice as to the suitability of the offered options to your particular circumstance. If in doubt, we strongly recommend you contact your financial adviser.
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