My apologies

I thought you where under the impression you would be liable for tax the minute you landed, even if you returned to the Uk, and wouldn't want you to sell your endowment prematurely. Our plans our to land then return to the Uk, with a view of returning to Canada within 8-10 months of the initial landing. We intend to keep our endowments running until we officially leave the UK for two reasons. The first is the death benefit, (morbid I know, and hope it never has to be used ) and the second is that the endowment is increasing by more than the monthly payment going in!!!! Amazing

Another point I did find out about selling endowments before they mature, that may not concern you, is that if your endowment has actually made money, as in its value is more than all your payments you have ever payed into it.....and the endowment has not ran at least 75% of its agreed term......you may be liable for tax on your profits. I rang a financial adviser about this and he said that because you are ending a tax free investment contract before its official maturity date this is the case. (Suppose the tax man has to find out first ) Anyhow I'm sure the 75% bit was correct and it also had a rule on how many years it has been running as well, which I can't remember. All the rules are in the Q+A's section on most of the "sell your endowment" sites.

Anyhow......I'll stop waffling

Ta Ta