Prudential Endowment Savings

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. Just log into your account, click on the "Profile" tab up the top and then "edit your address".

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, Final Order 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.

Yes, you may be able to 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.

You may be able to make an additional investment to your plan, but to confirm you'll need to contact us.

We recommend you get financial advice to help you make decisions about plan. If you dont have an adviser, you can find one at pru.co.uk/find-an-adviser or you can search for an independent financial adviser at unbiased.co.uk.

If you’re thinking about taking some or all of the money from your plan, 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.

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 plan. If you’re a mortgage endowment customer you’ll also receive a yearly review letter which tells you whether the plan is on track to meet its target amount. These letters are colour coded red, amber and green.

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

To help you understand what to expect and the actions you may need to take before your plan matures, please visit our endowment maturity page.

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.

MoneyHelper has produced a guide to help people who may be facing financial shortfall. You can request a copy of this guide by calling MoneyHelper helpline on 0800 011 3797 or by visiting moneyhelper.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.