Prudential Endowment Savings

Your Prudential Endowment Savings is a life insurance contract designed to pay a lump sum after a specified time (on its 'maturity') or on earlier death.

By logging in or registering for the Online Service you'll be able to view important information about your plan and update your personal details.

Register for our Online Service

Registering for our Online Service is easy and only takes five minutes. You'll need your policy number, postcode and date of birth. Your policy number will be on any letter we've sent you.

Once registered, you'll be able to use the service straight away, at a time that suits you. Register now.

Before deciding to make any changes to your plan, or pay more money in, we recommend you speak to your financial adviser. They'll be able to provide advice that's right for you and your situation.

If you don’t have a financial adviser, you can find one at unbiased.co.uk

Please remember that the value of any investment you already have, or any top ups you make to the plan, can go down as well as up and you may not get back the amount you put in.

What would you like to do?

You can find a copy of your annual statement and the current value of your plan by logging into our Online Service.

Register or login to our Online Service to send us a secure message with your new UK/foreign bank or building society details.

If you'd prefer, you can fill in and complete a direct debit form and send it back to us.

Please ensure any updated bank details reach us at least 10 working days before any payment is due.

Register or log in to our Online Service to update your address details quickly and easily

To change your name, we’ll need a signed letter from you with details of your previous name and your new name. We’ll also need one of the following original documents: a Marriage Certificate, Civil Partnership Certificate, Decree Absolute or a Deed Poll.

Please send the letter, including your policy number, to Prudential, Lancing, BN15 8GB. We'll return your document to you straight away.

If you’re thinking about taking some or all of the money from your bond, you'll need to contact us.

It is important that you understand all your options and the impact of any changes you make. We always recommend you speak to your financial adviser before making any changes to your investment. Please read our summary of important considerations before making your decision.

Yes, you can make changes to your plan.

If you’re considering making changes to your plan, such as the premiums you pay or the amount of life cover you need, you'll need to contact us. It’s important to note that once you’ve told us what you’ve decided to do, you can’t change your mind. Please be sure you understand all your options, and the effect of any changes you make. We always recommend you speak to your financial adviser before making any changes to your investment. Please read our summary of important considerations before making your decision.

You can switch your money between funds at any time.

If you'd like to switch your funds you'll need to contact us. It is important that you understand all your options and the impact of any changes you make. Please read our summary of important considerations before making your decision. We always recommend you speak to your financial adviser before making any changes to your investment.

If you'd like to stop making payments, you'll need to contact us. It is important that you understand all your options and the impact of any changes you make. Please read our summary of important considerations before making your decision. We always recommend you speak to your financial adviser before making any changes to your investment.

Before you think about cashing in your plan, please take the time to read this leaflet as you might wish to consider some of the other choices available to you.

You should expect it to take from four to six weeks to complete. You could be liable to income tax on any gain you make, whether you decide to cash in your plan or trade it. 

We send you an annual bonus statement that details the performance of your policy. If you’re a mortgage endowment customer you’ll also receive a yearly review letter which tells you whether the policy is on track to meet its target amount. These letters are colour coded red, amber and green.

  • Green - your policy is on track to meet its target amount at maturity.
  • Amber - your policy is at significant risk of not meeting its target amount at maturity.
  • Red - there is a high risk that your policy will not reach its target amount at maturity.

If the value of your fund is less than the sum required to meet and repay the target amount, you’ll need to make up the difference from other sources.

Alternative mortgage arrangements include, switching to a repayment mortgage, starting an additional savings plan or extending or increasing premiums on your existing plan where permitted.

The Money Advice Service has produced a guide to help people who may be facing a financial shortfall. You can request a copy of this guide by calling the Money Advice Service helpline on 0300 500 5000 or by visiting moneyadviceservice.org.uk

Please note, we can't control what's shown on any other websites.

You might be able to sell your plan on the second-hand plan market but it’ll take you longer to sell your plan than surrendering it with us. Once sold, any plan benefits due, would be payable to the new owner. Not all plans are suitable for trading but those that are could be sold for more than the cash in value.

You can find out more about whether your plan can be traded through market makers. Market makers sell suitable plans to new owners who buy second hand plans as an investment.

You can find a variety of different buyers through typical media sources such as the press, internet, television and telephone directories. Financial Advisers should also be able to provide help in accessing the market.

If you do decide to sell, someone else will own your plan and its benefits.

  • Once you sell your plan, you stop making payments and receive the agreed sale amount from the market maker.
  • The life assured on the plan remains unchanged – when it pays out, the benefits will be paid to the new owner. This can take from four to six weeks to complete. You might need to pay income tax on any gain you make, whether you decide to trade or cash in your plan.

Review and manage your plan online

You can log into our Online Service to check the value of your policy, change your personal information and preferences, view important documents and send us secure messages. You'll be able to see which products you can manage online and do what you need to quickly and easily.

Online Service

Need more help?

If you can't find the answer you're looking for here or in our Online Service, we're here to help. Visit the contact us page to find the team that can help with your query. We're available Monday to Friday, except public holidays.