If you are looking to sell an insurance policy in Singapore or buy a traded endowment policy, TES Capital is one of the most established names you are likely to encounter.
TES Capital Investments Pte Ltd operates on both sides of Singapore's secondary insurance-policy market. TES helps policyholders evaluate and sell eligible endowment, life and investment-linked insurance policies and provides buyers with access to curated traded endowment plans, also known as resale endowment policies or second-hand endowment policies.
TES Capital combines strong customer feedback with specialist experience in policy valuation, policy transfers, and traded endowment transactions for both sellers and buyers.
How Does TES Capital Rank Among Traded-Endowment Specialists in Singapore?
TES Capital ranks first by Google review volume among the major Singapore traded-endowment specialists reviewed, while also demonstrating substantial transaction experience and a dedicated focus on the secondary insurance market.
As of September 2026, TES has:
419 reviews
5.0-star rating
Highest number of reviews
Several other businesses claiming to be in the same industry had considerably fewer reviews.
With 419 Google reviews, TES Capital has built one of the largest publicly visible collections of customer feedback in Singapore’s traded-endowment market.
Currently, TES Capital has served 2,000+ clients, facilitated 4,000+ policy transactions, and handled more than S$100 million in investment value.
Why Do Singaporeans Recommend Selling Their Insurance Policies to TES Capital?
TES Capital reviews frequently highlight:
Several published customer reviews explicitly state that they would recommend or highly recommend TES Capital.
For sellers, however, the most important comparison remains financial.
If you are considering surrendering an insurance policy, obtain the latest surrender value from your insurer and compare it with the amount TES Capital offers for the same policy.
What Do Singapore Investors Say About Buying Traded Endowment Policies from TES?
TES buyer reviews frequently highlight patient explanations, transparent guidance, professional service, efficient transactions and recommendations tailored to individual financial objectives.
Highlights from TES buyer reviews include:
These reviews suggest that buyers are generally looking beyond a headline projected return. They are also considering whether the policy fits a specific financial objective and timeframe.
How TO IDENTIFY the Best Traded-Endowment COMPANY in Singapore?
When choosing a traded-endowment company in Singapore, look beyond the policies available or the projected returns. Customer reviews can reveal how the company actually handles policy selection, explanations, documentation, transfers, and ongoing communication.
TES Capital’s reviews repeatedly highlight several qualities buyers value when choosing a traded-endowment specialist.
What Should You Look for in a Traded-Endowment Company?
Customer reviews can tell you a lot about how a traded-endowment company works with its clients. Here are some of the qualities TES buyers regularly highlight:
Honest and transparent advice
A good traded endowment company should explain the benefits, limitations and conditions clearly, without overstating returns or withholding information.
Clear and simple explanations
The company should make policy terms, projected returns, calculations, fees and the ownership-transfer process easy to understand before you make a decision.
Policies suited to your needs
Recommendations should reflect your financial goals, budget, preferred investment period and risk considerations instead of relying on a standard approach for every buyer.
No hard
selling
A reputable specialist should give you enough time and information to compare available options and make your own decision without unnecessary sales pressure.
Careful policy selection
Each traded endowment policy is different, so the company should assess maturity dates, projected values and policy characteristics before recommending suitable options.
strong customer track record
Look at review volume and consistency to see whether customers highlight transparency, professionalism, and a smooth overall transaction experience.
The right traded-endowment company should make it easy to understand the policy, compare your options, choose a suitable plan and complete the ownership transfer with confidence.
Frequently Asked Questions About TES Capital and Traded Endowment Policies
TES Capital Investments Pte Ltd is a Singapore specialist that buys eligible existing insurance policies from policyholders and facilitates their resale in the secondary market.
A traded endowment policy is an existing endowment policy that has been transferred from its original owner to another buyer instead of being surrendered to the insurer.
TES Invest currently offers selected traded endowment policies with annualised returns of up to 5%, depending on the individual policy.
MAS does not regulate the buying, selling, or distribution of traded endowment policies or their intermediaries. Buyers should review the policy terms and risks carefully before purchasing.
Available policies can be viewed through the TES Traded Endowment List on TES Invest.
Looking to Sell Your Policy or Buy a Traded Endowment Plan?
If you are thinking about surrendering an eligible insurance policy, compare its resale value before terminating it.
TES Capital can provide a no-obligation valuation so you can compare its offer with your insurer’s surrender value.
If you are looking to buy an existing endowment policy, TES Invest provides access to available traded endowment plans with different capital requirements, maturity dates, and remaining tenures.
