With-利益（をあげる） endowment payouts still 急落（する），激減（する）ing as 巨大（な）s 改訂する 率s

Updated: 10:38 BST, 10 October 2012

With-利益（をあげる） endowment policyholders are 苦しむing 削減（する）s in payouts after major providers, 含むing 基準 Life, Co-operative 保険 and Friends Provident, 改訂するd their 特別手当 率s downwards.

At 基準 Life, which has 106,000 endowments 円熟したing this year, the payout to endowment policyholders in August fell to £28,057 ― 1.4?per cent 負かす／撃墜する on the £28,439 for a 類似の 政策 payout in February. ?

人物／姿／数字s are for an endowment taken out by a man approaching his 30th birthday who has been saving £50 a month over the 十分な 25-year 称する，呼ぶ／期間／用語.

With-利益（をあげる） 政策s: Used to build up a sum to 支払う／賃金 mortgage off or as a way of saving for a 年金

Payouts on with-利益（をあげる） 政策s ― used by home 買い手s to build up a sum to 支払う／賃金 off their mortgage, or as a means of saving for a 年金 ― have been 落ちるing for years. ?

With such 政策s, your money is 投資するd in with-利益（をあげる） 基金s with the 目的（とする） at smoothing out returns over the years. In good years, the 保険 company is supposed to put money aside to 支える the returns in bad years.

However, there has been a headlong 削減（する） in payouts as 保険会社s have 削除するd 年次の 特別手当s after realising they had paid out too much to policyholders whose 計画（する）s 円熟したd in previous years.

The 削減（する）s have 攻撃する，衝突する many policyholders hard. For example, at the Co-op, the most 最近の payout is £30,041 ― 負かす／撃墜する from £30,390 at the start of the year.

Policyholders with Friends Provident can 推定する／予想する £30,093 ― 3.6 per cent 負かす／撃墜する on the £31,522 on a 類似の 政策 that 円熟したd earlier this year.

The 削減（する）s come even though in the first half of this year with-利益（をあげる） 基金s made an 投資 return of 2.6 per cent at Friends Provident and 3.9 per cent at the Co-op.

Pat Connolly, at 財政上の 助言者 AWD Chase de Vere, says: ‘With-利益（をあげる） 支払い（額）s have been on a downward spiral for many years, and are sadly 始める，決める to continue.

‘This will be to the びっくり仰天 of many thousands of 政策-支えるもの／所有者s who will struggle to get 支援する any meaningful returns.’