Insurance & Pension Policies
Bank & Building Society Accounts


(1) A return of part of the premium on participating insurance to reflect the difference between the premium charged and the combination of actual mortality, expense and investment experience. Such premiums are calculated to provide some margin over the anticipated cost of the insurance protection. (2) An amount returned to a policyholder by an insurance company out of its earnings. (3) In capital stock companies, a share of the profits distributed to stockholders. (4) Portion of the premium which is returned to the insured because of favourable experience by the company. (5) A policyholders share in the insurer's divisible surplus fund apportioned for distribution, which may take the form of a refund of part of the premium on a Participating (or With Profit) policy. (6) The term is also used for a stockholder's share of the portion of a corporation's earnings that is distributed in cash or additional stock.

Do you have old policies lying about? Perhaps it's a term or whole of life insurance, pension, endowment, bond or an annuity policy. Or do you receive statements for a policy which you are unsure about? Why not use Policy Detective to find the answers.

Which company now looks after your policy? Who can you contact about your policy? What do all those words and phrases on my policy document actually mean?

Policy Detective is a UK company for UK customers. We help you to track-down the Administrators for policies which you or your loved ones may have in the bureau or the attic. You never know how much money there could be in that old policy. It's not easy to find this information, as companies through time are taken-over, merge with other companies and even change their names. We can help you find the company which now deals with your policy. Some companies even allow us to check the status of your policy.

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