Unclaimed Child Trust Funds – CTF Search

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Almost every child born in the UK between late 2002 and the beginning of 2011 has a government savings account worth £1,500.

Almost every child born in the UK between late 2002 and the beginning of 2011 has a government savings account worth £1,500.

Child Trust Funds can be withdrawn on the owner's  18th birthday. Of the 525,000 accounts which matured between Sept 1, 2020 and May 31, 2021 - 305,000 accounts worth  £554 million – have gone unclaimed.

In total, two million accounts – one in three – are now coded 'lost' due to a lack of account activity. 

Beneficiaries often fail to register a change of address after a move, and many never knew or simply forgot about the funds.

If you have failed to claim or withdraw funds from your Child Trust Fund account and require additional  information and assistance complete the form below:

Many insurance companies used to sell insurance policies that cost just pennies each week. Referred to as "Penny" insurance and IB "Industrial Branch" policies, they were generally sold door-to-door or at local branches. Millions of beneficiaries and heirs have failed to claim these low premium insurance policies, now worth up to £500.

LV= Liverpool Victoria reports 1.1 million policies are lost and unpaid. Royal London has 464,000 lost policyholders. Britannic Assurance, now Phoenix, issued 800,000 IB policies. Other issuers include Aviva, Pearl, Swiss Life, Royal Liver, Refuge, Prudential, United Friendly, Victoria Friendly and others.

Industrial Branch Penny Policy Search

One-in-four workers have lost or left behind at least a portion of their retirement savings. The Association of British Insurers (ABI) found 800,000 defined benefit pensions worth £9.7 billion have gone unclaimed by owners or heirs. Including lost public sector pensions and employer trust-based schemes, The Government’s Pension Tracing Service maintains a database of 320,000 pension scheme administrators to assist with reclaiming your lost money.

Apply online: UK Pension Search

The Independent Dormant Assets Commission recommends expansion of the Dormant Bank and Building Society Accounts Act to include pensions, insurance, securities and investments.

Fund investments would be coded dormant if there has been no account activity or owner contact for 12 years; cash dividends on inactive accounts go dormant after six. Pensions and insurance policies go dormant seven years after the owner is deceased.

To view the proposal go to:
Dormant Assets Scheme 2019

Unclaimed Child Trust Funds – CTF Search

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