Investing in Traded Endowments
Our Grade A traded endowment and life insurance policies are procured from individual policy holders who do not wish to continue with their policies. View our traded endowment list.
When you buy over one of these policies, you're investing in policies which are free from front-loaded distribution costs (i.e., agency fees). You will receive a full cash pay-out from the insurer once the policy matures or the insured person passes away.
Depending on the remaining tenure of the policy you purchase, annualised returns are a healthy 3-5% per year.
How Traded Endowment Policies Work

Frequently Asked Questions
What are traded endowment policies?
Where to buy traded endowment policies in Singapore?
Who is TES?
How do you acquire the policies you have on hand?
How will a policy I buy be transferred to me?
What is an Absolute Assignment?
How to do an Absolute Assignment in Singapore?
Can I transfer the policy to another party in future?
How will I pay for the policy I’m taking over?
What if there are policy nominations or beneficiaries?
How about the death benefits of the policy?
What happens when the policy matures?
Is there a capital guarantee on my investment?
Why should I have a portfolio of traded endowment plans with different maturity dates?
What happens if I pass away?
Are you licensed by MAS?

"My friend told me about TES and it was the right time as I was planning to open a fixed deposit account. Traded endowment plans are good for me as I would like to put my cash to good use while maintaining the assurance that I'll get my money back at the end.
You guys are doing a great job and service, keep it up!"
Ong Siew Fai, 33