Surrender ?Maturity Values

Allcannings

I have a Prudential with profits endowment (ex scot amicable) - does the surrender and maturity values quoted by the company take some account of the possible terminal bonus? Or are the values quoted excluding terminal bonus (if any)?
Is there any where to find out the current terminal bonuses and a forcast for future terminal bonuses?

dunstonh

does the surrender and maturity values quoted by the company take some account of the possible terminal bonus?

The surrender value will include terminal bonus accrued to date but may (will be) reduced by a market value reduction as well as potential surrender penalty.

Projections give estimates at defined rates. It doesnt matter how the return comes (annual or final) its a defined rate on the projection.

Is there any where to find out the current terminal bonuses and a forcast for future terminal bonuses?

No. Future is unknown and the companies will not give estimates. IFAs have to measure potential and Pru have good potential. We are already seeing good improvements on Prus plans despite the recovery in the markets being just a few months old. Pru do publish current annual bonus rates but terminal bonus is where the bulk of the return will be (or not) and that will always be the volatile area that goes up and down with market events.