Higher Returns

Second Hand insurance Policies, REPS / TEPS could provide you with returns that are double or even more than those of a brand-new endowment policy. The initial costs associated with the policy (such as commissions and policy fees) have been covered by the original policyholder. The lower cost translates to higher returns for a second hand insurance policyholder.

Faster to Maturity

You can simply pick up the policy halfway, which typically lasts less than 15 years. Instead of waiting 20 years for the policy to mature, you can pick it up say at year 16 and wait only 4 more years to maturity.

High Capital Protection

Our products are issued by Singapore insurers licensed by the Monetary Authority of Singapore (MAS) and are subjected to stringent regulations imposed by the authority. Additionally, they are protected under the policy owners’ protection scheme provided by the Singapore Deposit Insurance Corporation (SDIC).

No Prerequisite / Health Checks

Anyone can acquire a second hand insurance, REPS / TEPS, regardless of health status, age (minimum 21 years), or income. There are no prerequisites like health assessments or fact-finding.

Ease of Cash Flow Planning

You can select from a range of flexible maturity periods. Premiums and maturity payouts are predetermined and fixed on specific dates.

No Hidden Charges

You only need to pay the Initial Sum stated on the policy factsheet, with no additional fees or ongoing charges.