NB: Policy Trader provides an alternative to a personal loan by providing an option to SELL YOUR restricted investment.

No matter whether you have bad/poor credit history, Policy Trader is able to provide you with an option that does not require you to apply for a loan or pay back any interest.

If you own an endowment policy, structured product or preference shares which is restricted, you are still able to sell it for a market related price even though the life companies or product providers are not able to offer you a price due to it being restricted. Policy Trader will pay out the agreed cash amount within 48 hours*, making the process quick, simple and hassle free.


Micro lenders – high interest rates

Alternative Lending institutions – high interest rates, low loan to asset value

Banking institutions – numerous barriers before approval


Policy Trader

Other Options

Cash for the policy / investment you own.

Apply for a personal loan from various institutions.

No credit vetting (credit check).

Affordability assessment in accordance with the national credit act.

Quick and easy process (online and offline)

Could take weeks to be approved

No interest payable, due to the fact that you are selling something you own.

Have to re-pay interest and capital plus upfront admin fees.

Paid in cash within 48 hours once docs have been received

Long lead time before loan agreement is concluded.

Products that don’t qualify at Policy Trader are: Retirement annuities, new generation pure life cover only policies, deferred compensation, policies that have already matured and lastly funeral policies.

So if your policy does not fall under this list, put your mind at ease and with no obligation click on the link to see if it qualifies.

how much can i get for my policy?

Get a FREE, no obligation evaluation.

Sell my policy

Start the process to turn your policy into cash.

Contact us

Need help? Contact us on
021 551 8222.