Traded Endowment Policies - Low Effort, Low Risk, Moderate Return

TES Traded Endowment Broker Singapore

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 desire to surrender their policy. After carefully ensuring that the policies are free from any encumbrance, TES makes these endowment policies available for take over by sophisticated buyers.

Traded endowments are gaining popularity in Singapore as a low-risk 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.

What Makes Traded Endowments So Attractive?

Excellent capital preservation

Tax-free returns

Higher returns than buying new policy

Shorter time to maturity

No health check or questionnaire

No maximum age limit

Highly levels of compliance

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?

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


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.