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Build Your Future with Endowment Plans
Smart savings. Guaranteed protection.
A reliable way to meet your financial goals.
At Straits Alliance, we partner with over 15 leading insurers to help you compare and find the right endowment plan tailored to your savings objectives and life stage.
✅ Explore short-term or long-term options
✅ Compare returns, guarantees, and bonuses
✅ Get personalised recommendations to match your goals
WHY GET AN ENDOWMENT PLAN?
Save for the future and safeguard your loved ones at the same time
Stable Returns
Most endowment plans provide stable returns that may outperform traditional bank savings over time or at maturity.
Flexible Payment Options
Select a payment structure that suits you best—either a single lump-sum payment or regular premiums spread over time. Similarly, you have the flexibility to choose your preferred payout method, whether as a lump sum upon maturity or as periodic payments. This versatility ensures your financial goals are met comfortably, regardless of changing circumstances.
Principal Guaranteed
Endowment plans in Singapore typically offer either full or partial guarantees on your principal upon maturity or at specified stages of the policy term. These guarantees are backed by insurers and further protected under Singapore’s Policy Owners' Protection Scheme, providing assurance that your money stays secure.
Predictable Outcomes
An endowment plan adapts seamlessly to your evolving life goals. Whether you're planning for your child's education, saving for retirement, or preparing for future expenses, an endowment plan delivers predictable outcomes, helping you achieve your financial objectives with confidence.
COMPARE AND GET QUOTES FROM DIFFERENT
ENDOWMENT PLAN PROVIDERS
We work with a wide range of insurers to help you compare quotes and find the endowment plan that best fits your needs.
ENDOWMENT PLAN
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OTHER FEATURES OF AN ENDOWMENT PLAN
ENHANCE YOUR PROTECTION WITH OPTIONAL RIDERS
Enhance your endowment plan's coverage by adding riders that keep your financial goals on track, even if unexpected events occur:
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Payor Premium Waiver
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Cancer Premium Waiver:
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Critical Illness Premium Waiver
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Payor Critical Illness Premium Waiver
SECONDARY LIFE ASSURED
This feature allows you to transfer your policy benefits to a third party. This ensures that your savings continue to benefit your loved ones or designated beneficiaries, even in your absence.
LIFETIME ENDOWMENT PLANS
Certain insurers offer endowment plans with lifetime coverage, allowing partial withdrawals without penalty whenever cash value accumulates. These versatile plans are ideal for ongoing financial needs at various life stages.
IMPORTANT CONSIDERATIONS WHEN CHOOSING AN ENDOWMENT PLAN
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Projected Returns
The illustrated return of 4.25% p.a. shown in endowment plans is not guaranteed. It represents a projected rate used for illustration purposes and is neither the maximum nor indicative return of your policy. -
Understand Participating vs. Non-Participating Plans
Endowment plans can be either participating (with potential bonuses linked to the insurer's performance) or non-participating (offering guaranteed but fixed returns). Ensure you clearly understand the product you’re purchasing to match your expectations. -
Be Clear on Guaranteed Returns
Always check the guaranteed returns when selecting an endowment plan. This ensures clarity on the minimum amount you will receive, safeguarding your savings against disappointing outcomes upon maturity.
