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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

  • Short maturity - ideal if you need to pay for your child's university education in 5-10 years' time.
  • Diversify your portfolio into a low-risk, low effort investment with a moderate return.
  • Higher compounded returns compared to purchasing a new policy, as you save on distribution costs.
  • No health limitation and no age barrier, unlike the typical requirements for buying a new 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

Buy Traded Endowment Policies in Singapore

"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

Tax-free returns

Higher yield than new policy

Shorter time to maturity

No health check or questionnaire

No maximum age limit

Transparent and compliant

Hassle-free process

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

Humble and Patient to Explain, I Will Certainly Recommend TES

I bought my 1st WL resale policy from TES and the experience so far has been great. First time meeting Shawn and he came across as a humble guy who is patient to explain entire process of policy transfer as well as ensuring information in the policy is properly vetted with insurer. Given opportunity, I will certainly recommend TES to my frds and family.

Ng Yong Meng

TES Patiently Explained and Settled Everything

The calculations provided are easy to understand. Shawn arranged for the courier to pass me the required documents for signature. Signed on the spot and TES settled everything else. My 1st traded policy was transacted in early April and was reflected in my account within a week. Shawn patiently explained to me how traded endowment policies work and how TES provides capital protection. As I'm approaching 50 years soon, I prefer traded endowment over a brand new policy.

Tan Geok Leong

TES was featured on Channel News Asia (CNA) and Channel 5 in September 2020 for demonstrating active support in our Singaporean community during the COVID pandemic.

Traded Endowments Channel 5 Singapore

Channel 5

TES Singapore featured on Channel News Asia

Channel News Asia

TES Singapore featured on Yahoo! Finance

Yahoo! Finance

There are currently no MAS administered regulations which govern the sale, purchase and distribution of Traded Endowment Policies and Traded Whole Life Policies. TES Capital Investments Pte Ltd is therefore not required to be licensed, approved, registered or otherwise regulated by the Monetary Authority of Singapore or any other applicable regulator in Singapore. Our company does not hold itself out as being licensed, approved, registered or otherwise regulated in respect to any of our activities. This advertisement has not been reviewed by the Monetary Authority of Singapore.