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Selling Endowment

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Hi, I have an Aviva Life Assured Endowment policy (originally GA), The surrender value is just over £28k.
I know probably it's best to keep it as all the bonuses are at the end but I've got some debts that this would get rid of:), I've heard that you can sell these and get a % more for them but I am not sure on the best way to do this . . . is there anyone out there who has sold one in the past?

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