Low Effort, Low Risk, Moderate Return
What Are Traded Endowment Policies?
Traded endowment policies, also known as second hand endowments, are procured by TES from the original policy owner when they choose to encash or surrender their policy. After we ensure that each policy is free from encumbrance, TES makes the best of these endowment policies available for takeover by sophisticated investors.
Traded endowments are gaining popularity in Singapore as a low-risk, high-yield and easily-accessible option for portfolio diversification and long term wealth protection, and provide an alternative to traditional investments in bonds, stocks and fixed deposits.
You benefit in several ways when you buy a traded endowment policy
Investing in Traded Endowments
Our pool of Grade A traded endowment and life insurance policies are procured from individual policy holders who do not wish to continue with their policies.
When you buy over one of these plans, 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, you'll enjoy up to 7% annualised returns per year.
How Traded Endowment Policies Work
"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
What Makes Traded Endowments So Attractive?
Excellent capital preservation
Higher yield than new policy
Shorter time to maturity
No health check or questionnaire
No maximum age limit
Transparent and compliant
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?
"I was doing research on Singapore savings bonds when I stumbled on traded endowments. After speaking to Shawn I felt confident to purchase 3 of these traded endowment policies as he carefully helped me select policies suitable for my needs.
I'm delighted to get the extra percentage returns which amounts to several thousand dollars of extra passive income each year. Highly recommended!"
Rebecca Lim Hui-En, 46