Traded Endowment Plans in Singapore
Predictable Compounded Returns Up To 5% and up to 80% Shorter Waiting Time To Maturity
Purchase resale endowment plans in Singapore with fewer years remaining to policy maturity, giving you access to predictable compounded returns and a shorter time to maturity compared to buying new endowment insurance policies.
Featured Resale Endowment Plans Now Available
What are traded endowment plans?
Traded endowment plans are existing life or endowment insurance policies purchased from the original owner.
ORIGINAL POLICY OWNER
Step 1: Purchase new policy from insurer
Step 2: Pay policy premiums to insurer
Step 3: Sell policy to TES instead of surrendering to insurer
NEW POLICY OWNER
Step 4: Take over policy from TES
Step 5: Pay policy premiums to insurer
Step 6: Receive payout upon policy maturity
Why Buy a Traded Endowment Plan?
Predictable Compounded Returns
Traded endowment plans offer predictable compounded returns up to 5% per year based on the purchase price, remaining premiums and projected policy benefits.
Shorter Time to Policy Maturity
Because part of the original policy term has already elapsed, resale endowment plans offer up to 80% shorter waiting time to maturity compared to buying a new endowment plan.
Established Singapore Insurers
TES Capital provides access to existing policies issued and underwritten by blue-chip insurers operating in Singapore and regulated by the Monetary Authority of Singapore.
"TES guided me clearly through the process of acquiring a traded endowment plan, giving me confidence in an investment with defined timelines and predictable maturity value. It has been an excellent tool for taking ownership of my financial future!"
Richard Tan, 58
Traded (Resale) vs New Endowment Plans
Both new and resale endowment policies are very similar. The main difference is how long you have to wait till the policy matures.
Since you buy over a policy that's already been in force for some time, the remaining time to maturity can be substantially shorter than starting a new plan from year one.
Header | TRADED (RESALE) ENDOWMENT | NEW ENDOWMENT PLAN |
|---|---|---|
Policy status | Existing policy | Brand-new policy |
Starting point | Take over part-way through the policy term | Start from year one |
Time to maturity | Up to 80% shorter waiting time | Typically 10-25 years |
Premiums | Some or all of the premiums already paid for | You pay for all premiums |
Fees | Distribution costs already paid for by first owner | Front-loaded commissions are significant |
Returns | Predictable compounded returns up to 5% p.a. | Typically 2.5-4% p.a. if held to maturity |
Choice of tenure | Choose from different remaining maturity periods | Choose only from insurer's fixed tenures |
Limitations | Very few limitations | Subject to insurer requirements |
Why start from year one when you can take over an existing policy and enjoy a shorter waiting time to maturity?
Traded Endowments Help You Reach Your Financial Goals
The flexibility of resale endowment plans makes them ideal for different savings and wealth-building goals.
Grow Your Wealth with Greater Certainty
Want better returns without constantly watching the markets? Traded endowment plans can help you grow your money with predictable compounded returns and lower portfolio volatility.
Give Your Child More Options
University costs are escalating faster than ever. Save up for their higher education with traded endowment plans that mature just as your child starts to incur hefty education expenses.
Build a Stronger Retirement Fund
Retirement feels more secure when you know when your money is expected to mature. Choose plans with timelines that match the years ahead and help strengthen your retirement savings.
Get Closer to Your Next Home
Whether you are building a down payment, preparing for an upgrade or simply putting aside more for your next property, choose a plan with a maturity date that helps you save towards that goal.
Singapore's leading specialist in Traded Endowments
Serving clients with honesty, professionalism and heartfelt sincerity.
TES Capital is led by seasoned financial professionals with over 50 years of combined experience across corporate finance, banking and financial operations. By applying institutional-level discipline and rigorous due diligence to the needs of Singaporeans building their savings and wealth, TES has become recognised as a leader in the traded endowment industry, with a reputation for serving clients with honesty and integrity.
As seen on
Media features highlighting the contributions made by TES Capital to the financial wellbeing of Singaporeans.
