4 Best Savings Endowment Plans in Singapore for Wealth Accumulation (2021 Edition)

We look for the best saving endowment plans in Singapore that provides a high guaranteed and projected cash value upon maturity.

Taking up a Savings plan and Endowment policy usually requires a financial commitment, and the policy is meant for cash accumulation returns. The policy may or may not have withdrawal options in the later life stages of your life.

However, not all insurance policies are created equal. InterestGuru.sg look into the 4 best Savings plans and Endowment policies that provide the most value for your money.

In this review, we take an in-depth look into the following 4 endowment savings plans that provide a high guaranteed and projected cash value upon maturity.

This list of the 4 best endowment savings plans is updated as at 24/05/2021

Related article: 3 Best Savings Endowment Plans in Singapore with Lifetime Wealth Accumulation (2021 Edition) *NEW*

What makes a good savings plan and endowment policy?

We look into Savings plans and Endowment policies that provide a good blend of product features, potential payout and flexibility of saving period. While all savings plans and endowment policies accumulate cash values, the cost of insurance riders may affect your surrender value when you need a payout.

Saving plans and Endowment policies the best insurance policy?

Our criteria for picking the Endowment Policies below:

  • Options for cash withdrawal
  • Type of payout (Guaranteed and Non-Guaranteed)
  • Available riders to complement insurance coverage
  • Other unique product features

Note: The Savings plans and Endowment policies listed below are not ranked in any priority. Early surrendering or cashing out from your endowment insurance policies will result in financial loss.

Read aboutHow does Savings Plans and  Endowment Policies work?

Read aboutSavings Plans and Endowment policies, are they suitable for me?

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Best endowment savings plans for Highest Guaranteed Returns – Aviva MyLifeSavingsPlan

Aviva MyLifeSavingsPlan

Aviva MyLifeSavingsPlan is a whole life savings plan allowing you to enjoy a lifetime of wealth accumulation without a lifetime of premiums to pay.

You can choose to withdraw funds from your policy when it has acquired cash value to spend on your needs.

As this is a whole life savings plan, you have the option to add a loved one as a secondary life assured to carry on enjoying the wealth accumulation even after you have passed on.

Aviva MyLifeSavingsPlan Benefit Table

Pros of Aviva MyLifeSavingsPlan

  • 100% capital guaranteed after the 15th year
  • Option to change the life assured to your loved one to carry on the policy
  • Option to add a loved one to be the joint-life assured
  • Receive an additional 3% of the sum assured upon reaching certain life milestones (i.e. marriage, buying a property, etc.) up to 2 claims

Cons of Aviva MyLifeSavingsPlan

  • No single premium option
  • Surrendering the policy any time before the 15th year may put you on a financial loss

Policy Illustration for Aviva MyLifeSavingsPlan

Policy Illustration for Aviva MyLifeSavingsPlan

At age 23, Peter purchased Aviva MyLifeSavingsPlan to save for his future. He pays a yearly premium of S$3,622 for the next 20 years.

At age 43, Peter finishes premium payment with a total of S$72,440 paid. Peter can choose to withdraw cash from his policy at any time as he so wishes.

As and when Peter chooses to surrender his policy, he would receive the following:

  • Age 68 – S$287,495 – 396.9% ROI (Return on Investment)
  • Age 73 – S$356,376 – 492% ROI
  • Age 78 – S$440,954 – 608.7% ROI
  • Age 99 – S$1,088,129 (The secondary life assured can receive this amount at policy maturity if you do not live till age 99)

Read about: Aviva MyLifeSavingsPlan Review

Alternative to Aviva MyLifeSavingsPlan – Prudential PRUWealth II

Prudential PRUWealth II

Prudential PRUWealth II is a whole life savings plan that allows for the option to pay a single premium with capital guaranteed from the 10th year onwards.

Pros of Prudential PRUWealth II

  • Single premium option available
    • Capital guaranteed after the 10th policy year
  • Flexible regular premium terms of 5, 10, or 20 years
    • For 5, 10, and 20-year premium option, capital is only guaranteed after the 15th, 18th, and 20th year respectively

Cons of Prudential PRUWealth II

  • Surrendering the policy before the capital guaranteed period could incur financial loss

Read about: Prudential PRUWealth II Review

Aviva MyLifeSavingsPlan vs Prudential PRUWealth II

Aviva MyLifeSavingsPlan vs Prudential PRUWealth II

We’ve created an apple to apple comparison between Aviva MyLifeSavingsPlan and PRUWealth II to find out which is the better whole life savings plan.

The below policy illustrations are based on Mary, a mother who purchased a whole life savings plan for her son Jason when he was just 5 years old.

Aviva MyLifeSavingsPlan Illustration Comparison

Policy Illustration for Aviva MyLifeSavingsPlan Comparison

Mary purchased Aviva MyLifeSavingsPlan for her 5-year-old son Jason. She pays a yearly premium of S$24,026 for the next 10 years.

Mary finishes premium payment with a total of S$240,268 paid in premiums as Jason reaches age 15, now policy year 10.

When Jason reaches 18 years old, Mary hands the policy over to him, now policy year 13.

Should Jason choose to surrender the policy he will receive these projected returns:

  • Age 45 / policy year 40 – S$1,002,371 / 417.2% ROI
  • Age 65 / policy year 60 – S$2,348,189 / 977.3% ROI
  • Age 85/ policy year 80 – S$5,489,665 / 2284.4% ROI
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Prudential PRUWealth II Comparison

Policy Illustration for Prudential PruWealth II Comparison

In another dimension, Mary purchased Prudential PRUWealth II for her 5-year-old son Jason. She pays a yearly premium of S$24,000 for the next 10 years to plan for his future.

By the 10th policy year – when Jason is 15 years old, the premium term comes to an end with Mary paying a total premium of S$240,000.

By the 13th policy year – when Jason is 18 years old, Mary hands the policy over to him.

Should Jason choose to surrender his Prudential PRUWealth II whole life savings plan, he will receive a projected:

  • Age 45 / policy year 40 – S$987,341 / 411.4% ROI
  • Age 65 / policy year 60 – S$2,223,330 / 930.6% ROI
  • Age 85/ policy year 80 – S$4,950,702 / 2062.8% ROI
 
High-income payout retirement plans for: Male, Age 45, Retire at Age 65
 
Policy Details
Aviva MyLifeSavings

Prudential PRUWealth II
Annual Premium

$24,026$24,000
Total Premium
Total premium paid for the policy:
$240,268$240,000
Premium Term
You have to pay premium for:
10 years10 years
Policy Term
Your policy matures in:
Lifetime, or until policy is terminatedLifetime, or until policy is terminated
Guarantee/ Projected Maturity Value (Age 75)
Ratio vs total premium paid:
$446,899/ $1,002,371
186%/ 417%
$392,880/ $987,341
164%/ 411%
Guarantee/ Projected Maturity Value (Age 85)
Ratio vs total premium paid:
$658,335/ $2,348,189
274%/ 977%
$572,160/ $2,223,330
238%/ 926%
Guarantee/ Projected Maturity Value (Age 95)
Ratio vs total premium paid:
$968,282/ $5,489,665
403%/ 2,284%
$861,360/ $4,950,702
359%/ 2,063%
Additional note:
  • Scroll/ swipe left on chart to view complete financial figures.
  • Please refer to individual insurance product review for complete infomation.
  • All Projected payout includes Guaranteed and Non-guaranteed financial returns.
  • All Non-Guaranteed payout are based on the respective insurers achieving 4.75% p.a investment returns.
  • Infomation provided are accurate at the time it was published, and Interestguru.sg is not liable should there be any adjustment by the respective insurers.
Refer to: 4 Best Retirement Plan in Singapore - Features and payout (2021 Edition)

Best endowment savings plan for cashback features – Manulife ReadyBuilder

Manulife ReadyBuilder
Manulife ReadyBuilder

Enjoy the freedom of unlimited withdrawals as well as lifelong wealth accumulation. Manulife ReadyBuilder lets you achieve multiple goals in a single savings insurance plan.

Besides lifelong wealth accumulation, the policy can be assigned a loved one as the secondary life assured to carry on wealth accumulation for maximum returns, even after you have passed on.

Manulife ReadyBuilder Benefit Table

Pros of Manulife ReadyBuilder

  • The flexibility of withdrawal from the cash value at any point in time 
  • The option to stop paying the insurance premium for up to a year, no penalties or interests on the payable premiums
  • Continuity of plan to the next generation or third party without starting all over again from the beginning
  • Wavier of future premiums in the event of Total and Permanent Disability

Cons of Manulife ReadyBuilder

  • Surrendering the policy any time before the 15th year may put you on a financial loss

Policy Illustration for Manulife ReadyBuilderPolicy Illustration for Manulife ReadyBuilder

At age 25, Jack purchased Manulife ReadyBuilder to save for his future. He pays a yearly premium of S$3258 for the next 15 years.

During the premium payment period after the 2nd annual premium paid, Jack can choose to pause paying premiums for up to a year for any reason it be.

At age 40, Jack finishes premium payment with a total of S$48,870 paid. Jack can choose to withdraw cash from his policy at any time as he so wishes.

As and when Jack chooses to surrender his policy, he would receive the following:

  • Age 65 – S$172,172 / 352.3% ROI
  • Age 70 – S$208,717 / 427% ROI
  • Age 75 – S$251,761 / 515.2% ROI
  • Age 120 – S$1,430,347 (Any of the lives in the joint-life assured can receive this amount at policy maturity if either one does not live till age 120)

More about: Manulife ReadyBuilder Review

Alternative to Manulife ReadyBuilder – AIA Smart Wealth Builder

AIA Smart Wealth Builder

AIA Smart Wealth Builder is a whole life savings plan that gives you the flexibility to save a single premium or over 5 to 20 years and accumulate wealth up to 125 years old.

Pros of AIA Smart Wealth Builder

  • Single premium option available
  • Flexible regular premium term of 5, 10, 15, or 20 years
  • Capital guaranteed after the 15th years

Cons of AIA Smart Wealth Builder

  • Surrendering the policy any time before the 15th year may put you on a financial loss

Manulife ReadyBuilder vs AIA Smart Wealth Builder

Manulife ReadyBuilder vs AIA Smart Wealth Builder

Let’s put Manulife ReadyBuilder up against AIA Smart Wealth Builder to find out which is the better whole life savings plan. For this comparison, we are using Isabel, a 25-year-old working female adult with a premium term of 15 years.

Manulife ReadyBuilder Illustration Comparison

Policy Illustration for Manulife ReadyBuilder Comparison

Isabel, age 25, purchase Manulife ReadyBuilder to plan for her future. She pays a yearly premium of S$12,004 for the next 15 years.

At age 40, Isabel finishes premium payment with a total of S$180,060 paid in premiums. Her whole life savings plan will then continue to accumulate wealth for her with no further financial commitment.

When the time comes that Isabel wants to surrender her policy, she will receive these projected surrender benefits:

  • Age 75 – S$927,493 / 515.3% ROI
  • Age 85 – S$1,358,767 / 754.8% ROI
  • Age 95 – S$1,990,520 / 1105.5% ROI

AIA Smart Wealth Builder Illustration Comparison

Policy Illustration for AIA Smart Wealth Builder Comparison

Isabel, age 25, purchase Smart Wealth Builder to plan for her future. She pays a yearly premium of S$12,000 for the next 15 years.

At age 40, Isabel finishes premium payment with a total of S$180,000 paid in premiums. Her whole life savings plan will then continue to accumulate wealth for her with no further financial commitment.

Isabel will receive these projected returns should she choose to surrender at:

  • Age 75 – S$979,808 / 5444.3% ROI
  • Age 85 – S$1,455,641 / 808.7% ROI
  • Age 95 – S$2,178,890 / 1210.5% ROI
 
High-income payout retirement plans for: Male, Age 45, Retire at Age 65
 
Policy Details
Manulife ReadyBuilder

AIA Smart Wealth Builder
Annual Premium

$12,004$12,000
Total Premium
Total premium paid for the policy:
$180,060$180,000
Premium Term
You have to pay premium for:
15 years15 years
Policy Term
Your policy matures in:
Lifetime, or until policy is terminatedLifetime, or until policy is terminated
Guarantee/ Projected Maturity Value (Age 75)
Ratio vs total premium paid:
$300,893 /$927,493
167%/515%
$301,050/ $979,808
167%/ 544%
Guarantee/ Projected Maturity Value (Age 85)
Ratio vs total premium paid:
$527,589 /$1,358,767
293%/ 755%
$344,610 /$1,455,641
191%/ 808%
Guarantee/ Projected Maturity Value (Age 95)
Ratio vs total premium paid:
$645,654 /$1,990,520
359%/ 1,105%
$401,130 /$2,178,890
223%/ 1,210%
Additional note:
  • Scroll/ swipe left on chart to view complete financial figures.
  • Please refer to individual insurance product review for complete infomation.
  • All Projected payout includes Guaranteed and Non-guaranteed financial returns.
  • All Non-Guaranteed payout are based on the respective insurers achieving 4.75% p.a investment returns.
  • Infomation provided are accurate at the time it was published, and Interestguru.sg is not liable should there be any adjustment by the respective insurers.
Refer to: 4 Best Retirement Plan in Singapore - Features and payout (2021 Edition)

Best endowment savings plans for flexibility (premium term) – Manulife ManuWealth Secure

Manulife ManuWealth Secure
Manulife ManuWealth Secure

ManuWealth Secure is a limited pay savings plan that gives you yearly payouts (5% of the total premiums paid) at the end of the short premium term of 2 or 5 years. You can spend the payouts as you wish or choose to reinvest them for higher returns.

Pros of Manulife ManuWealth Secure

  • Short premium payment terms of 2 or 5 years
  • Flexible policy terms of 13, 15, 20, or 25 years
  • Receive yearly payouts at the end of the premium term to spend as you wish or reinvest them for higher returns

Cons of Manulife ManuWealth Secure

  • 100% capital guarantee only upon policy maturity
  • No option to do cash withdrawal during the policy term

Policy Illustration for Manulife ManuWealth Secure

Best whole life plan for overall coverage and wealth accumulation - Manulife LifeReady Plus Policy Illustration

Emily, age 45, wants plans to have a short vacation in Europe to kickstart her retirement. To do this, she plans to set aside S$50,000. She decides to purchase a savings plan, Manulife ManuWealth Secure, to achieve better returns as compared to the bank.

Emily pays a yearly premium of S$25,003 per year for 2 years. By age 47, she paid a total of S$50,006 in premiums.

Emily can start receiving yearly cash payouts from the 3rd year onwards but she chooses to reinvest the payouts for higher returns upon policy maturity

At age 60, Emily’s savings plan reaches its maturity and pays her a grand total of S$77,671 –  a 155.3% ROI.

Read about: Manulife ManuWealth Secure Review

Alternative to Manulife ManuWealth Secure – Aviva MyWealthPlan

Aviva MyWealthPlan

Enjoy high guaranteed returns up to 2.35% p.a. with Aviva’s popular savings plan, MyWealthPlan. Options to save for 5 or 10 years with policy terms ranging 10 to 25 years.

Pros of Aviva MyWealthPlan

  • High guaranteed returns of up to 2.35% p.a.
  • Short premium term of 5 or 10 years
  • Flexible policy term of 10 to 25 years for 5-year premium term and 13 to 25 years for 10-year premium term

Cons of Aviva MyWealthPlan

  • Surrendering the policy before maturity date may incur financial loss

Read about: Aviva MyWealthPlan Review

Manulife ManuWealth Secure vs Aviva MyWealthPlan

To find out which is the better plan, we are fairing ManuWealth Secure against Aviva MyWealthPlan based on a 40 year old male with a 5-year premium term and a 25-year policy term.

Manulife ManuWealth Secure Illustration Comparison

Policy Illustration for Manulife ManuWealth Secure Comparison

John, age 40, purchases Manulife ManuWealth Secure. He pays a yearly premium of S$24,096 for the next 5 years.

John finishes premium by the age of 45 with a total of S$120,481 paid in premiums. John also can choose to start receiving yearly cash coupon the value of 5% of the sum assured to spend as he wish.

However, John chooses to reinvest his yearly payouts to accumulate for higher returns.

At age 65, John will receive a projected maturity benefit of S$278,748. Giving him a 231.4% return on investment.

Aviva MyWealthPlan Illustration Comparison

Policy Illustration for Aviva MyWealthPlan Comparison

John, age 40, pays a yearly premium of S$24,006 for the next 5 years for his Aviva MyWealthPlan savings plan.

By age 45, John would’ve paid a total of S$120,028 in premiums for his savings plan.

At age 65, John will receive a total projected maturity benefit of S$314,471, giving John a 262% return on investment.

 
High-income payout retirement plans for: Male, Age 45, Retire at Age 65
 
Policy Details
Manulife ManuWealth Secure
(Payout for 20 years​)

Aviva MyWealthPlan
(Payout for 20 years​)
Annual Premium

$24,096$20,006
Total Premium
Total premium paid for the policy:
$120,481$120,028
Premium Term
You have to pay premium for:
5 years5 years
Policy Term
Your policy matures in:
25 years25 years
Guarantee Maturity Value
Ratio vs total premium paid:
$126,630
105%
$205,000
171%
Projected maturity value @ 3.25%
Ratio vs total premium paid:
$197,569
164%
$249,209
208%
Projected maturity value @ 4.75%
Ratio vs total premium paid:
$278,748
231%
$314,471
262%
Additional note:
  • Scroll/ swipe left on chart to view complete financial figures.
  • Please refer to individual insurance product review for complete infomation.
  • All Projected payout includes Guaranteed and Non-guaranteed financial returns.
  • All Non-Guaranteed payout are based on the respective insurers achieving 4.75% p.a investment returns.
  • Infomation provided are accurate at the time it was published, and Interestguru.sg is not liable should there be any adjustment by the respective insurers.
Refer to: 4 Best Retirement Plan in Singapore - Features and payout (2021 Edition)

Best endowment plan for accidental death coverage – NTUC Income Gro Secure Saver

NTUC Income Gro Secure Saver
NTUC Income Gro Secure Saver

NTUC Income Gro Secure Saver is a savings plan that provides you a wide range of options so you can reach your financial goals with great flexibility and ease.

You can choose to save for:

  • 5 years with a policy term 10 to 25 years later
  • 10 years with a policy term of 15 to 25 years later
  • 15 years with a policy term of 20 to 25 years later

You will also receive an additional 100% of Sum Assured against accidental death and total and permanent disability (TPD before age 70).

Pros of NTUC Income Gro Secure Saver

  • Enjoy high illustrated returns up to 4.30% p.a.
  • Short premium term of 5, 10, or 15 years
  • Flexible policy terms of 10 to 25 years

Cons of NTUC Income Gro Secure Saver

  • No single premium payment option
  • Surrendering the policy will incur financial loss

Read about: NTUC Income Gro Secure Saver Review

Policy Illustration for NTUC Income Gro Secure Saver

Policy Illustration for NTUC Income Gro Secure Saver

Caroline, age 25, purchases NTUC Income Gro Secure Saver to save for her future. She pays a yearly premium of $6,000 for the next 10 years.

By age 35, Caroline would’ve finished premium payment with a total of S$60,000 paid.

At age 50, Carine will receive a total projected payout of S$140,389 upon policy maturity to spend as she wish.

Alternative to NTUC Income Gro Secure Saver – Prudential PRUActive Saver II

Prudential PRUActive Saver II

Prudential PRUActive Saver II gives you the freedom to save a single premium or over 5 to 30 years. Your capital is guaranteed upon policy maturity.

Pros of Prudential PRUActive Saver II

  • Single premium option available
  • Regular premium option of 5 to 30 years available

Cons of Prudential PRUActive Saver II

  • Surrendering your policy before the maturity date may incur financial loss
  • You have to wait till policy maturity to access your savings

Read about: Prudential PRUActive Saver II Review

NTUC Income Gro Secure Saver VS. Prudential PRUActive Saver II

NTUC Income Gro Secure Saver vs Prudential PRUSaver II Rewards

Let’s take a look at how NTUC Income Gro Secure Saver fair against Prudential PRUActive Saver II. The following policy illustration comparisons are based on a 30-year-old male with a premium term of 10 years and a policy term of 20 years.

NTUC Income Gro Secure Saver Illustration Comparison
Policy Illustration for NTUC Income Gro Secure Saver Comparison

Max, age 30, pays a yearly premium of S$12,000 for the next 10 years for his NTUC Income Gro Secure Saver endowment plan.

By age 40, Max finishes premium payment with a total of S$120,000 paid in premiums.

Upon policy maturity at age 50, Max will receive a total of S$218,158 in total projected maturity benefit.

All in all, Max paid S$120,000 and got back S$218,158, giving him a 171.8% return on investment.

Prudential PRUActive Saver II Illustration Comparison
Policy Ilustration for Prudential PRUActive Saver II Comparison

If Max had instead chosen Prudential PRUActive Saver II to save for his future, he would’ve paid S$12,000 in yearly premiums for the next 10 years.

By age 40, Max would’ve paid a total of S$120,000 in premiums.

At age 50, Max would’ve received S$214,618 in projected maturity benefit, giving him a 178.8% return on investment.

 
High-income payout retirement plans for: Male, Age 45, Retire at Age 65
 
Policy Details
NTUC Income Gro Secure Saver
(Payout for 20 years​)

Prudential PRUActive Saver II
(Payout for 20 years​)
Annual Premium

$12,000$12,000
Total Premium
Total premium paid for the policy:
$120,000$120,000
Premium Term
You have to pay premium for:
10 years10 years
Policy Term
Your policy matures in:
20 years20 years
Guarantee Maturity Value
Ratio vs total premium paid:
$138,120
115%
$131,119
109%
Projected maturity value @ 3.25%
Ratio vs total premium paid:
$175,671
146%
$176,103
147%
Projected maturity value @ 4.75%
Ratio vs total premium paid:
$218,158
182%
$214,618
179%
Additional note:
  • Scroll/ swipe left on chart to view complete financial figures.
  • Please refer to individual insurance product review for complete infomation.
  • All Projected payout includes Guaranteed and Non-guaranteed financial returns.
  • All Non-Guaranteed payout are based on the respective insurers achieving 4.75% p.a investment returns.
  • Infomation provided are accurate at the time it was published, and Interestguru.sg is not liable should there be any adjustment by the respective insurers.
Refer to: 4 Best Retirement Plan in Singapore - Features and payout (2021 Edition)

What can I do next?

Is this your first Life Insurance policy besides your Integrated Shield Plan? Find out how exactly you should start your financial planning instead. While saving plans and endowment policies offers a better rate than bank deposits, prioritise the more important financial objectives and goals instead such as your insurance coverages.

Read about: How much life insurance coverage do you need? *Popular*

As most savings plans do not require health underwriting, such policies can be taken up regardless of your health conditions. Insurance coverages, on the other hand, require you to have a clean bill of health or you may face exclusions or rejection of your application.

Hence, it is important to ensure your health and protection coverage is already taken care of by a Whole Life, Investment Linked Policy, or Term insurance.

Read about3 Best Whole Life Insurance Plans in Singapore for Insurance Coverages (2021 Edition)

Read about3 Best Investment Linked Policies in Singapore for Wealth Accumulation (2021 Edition)

Aim to maximise the financial returns on your savings

Wherever possible, make sure that your financial budget is sufficient to cater to the payment of the savings plan, instead of overstretching and relying on any available cashback options.

We strongly recommend you to read the following articles for wealth accumulation purposes. Understand why a shorter insurance premium payment period affects your financial returns more than you would have expected.

Read aboutHow can I accumulate a million dollar (Realistically)

Read about: The 7 Best Regular Insurance Savings Plans in Singapore by Product Features (2021 Edition) *NEW*

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    Note: All financial figures are based on close approximate and all non-guaranteed figures are based on the higher tier of 4.75% investment returns. The sample illustrations are for illustrative purposes only and is not a contract of insurance. Early surrendering or cashing out from a Endowment Savings insurance policies will certainly result in financial loss. In the event of doubt, always refer to the precise terms and conditions as specified in your policy contract. Seek the advice of a qualified financial professional or a licensed financial advisor before making any decision or financial commitment.

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