Top Endowment Plan Providers in Singapore (Updated 2024)

Top Endowment Plans Providers in Singapore

An endowment plan combines life insurance coverage with a savings program. It allows you to save regularly over a predetermined period, rewarding you with a lump sum upon the policy’s maturity if you outlive the term. Common maturity durations for endowment plans range from ten to twenty years, extending up to a specified age limit.

Endowment plans have two primary components:

  1. Life Assurance: A portion of your premiums provides life coverage, with the coverage amount dependent on factors like age, gender, and policy duration.
  2. Investment: The rest of your premium is invested, either on a with-profits basis or a unit-linked basis, to potentially grow your savings over time.


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Investment Strategies within Endowment Plans

  • With-Profits Basis: Your contributions are pooled with others and invested in diverse assets. Profits from these investments are then shared among policyholders.
  • Unit-Linked Basis: Offers flexibility in investment choices, allowing you to select from various funds. Note that frequent switching between funds may incur charges, impacting returns.


Key Considerations Before Choosing an Endowment Plan:

  • Guaranteed Returns: Assess the guaranteed returns against your total premium payments to ensure your investment grows over time.
  • Non-Guaranteed Returns Structure: Understand the potential for additional earnings above the guaranteed returns, often influenced by market performance.
  • Insurance Coverage: While basic, most plans offer a death benefit, with options to add coverage for total and permanent disability or critical illness.
  • Maturity Period and Early Termination: Familiarize yourself with the policy’s terms regarding early withdrawal and potential penalties, which could affect your returns.
  • Flexibility in Premium Payments: Some endowment plans offer flexibility in premium payments, allowing policyholders to adjust their premium amounts or payment frequencies according to their financial situations. This can be particularly appealing for those whose income might fluctuate or increase over time.
  • Bonus Allocation Strategy: Investigate how each provider allocates bonuses throughout the policy term. Some plans may offer more attractive bonus rates in the earlier years, while others might increase the bonus allocation as the policy matures. Understanding this can help you align your financial planning with expected returns.
  • Inflation Protection: Consider plans that offer inflation protection features to ensure your maturity benefits retain their value over time. Some providers may adjust the sum assured or offer additional riders to counteract the effects of inflation on your savings.
  • Loyalty Benefits: Look for endowment plans that reward long-term policyholders with loyalty bonuses or additional benefits. These incentives can significantly enhance the value of your plan, especially if you’re committed to holding the policy until maturity.
  • Digital Tools and Access: Evaluate the digital services provided by insurers, such as online policy management, digital claims submission, and access to investment performance. A provider that offers robust digital tools can enhance your experience by offering convenience and transparency.

Endowment plans offer a dual benefit of insurance protection and savings growth, making them a valuable component of a well-rounded financial plan. When selecting an endowment plan, consider not only the potential returns but also the insurance benefits, flexibility, and reliability of the provider. With careful consideration and planning, an endowment plan can be a strategic part of achieving your long-term financial goals.


Here are the Top 15 Endowment Plan Providers in Singapore for 2024


NTUC Top Endowment Plans Providers in Singapore

Insurance Provider

NTUC Income

About NTUC Income Insurance is recognized for its commitment to offering tailored financial solutions that cater to the diverse needs of its clients. With a strong foundation in providing comprehensive insurance coverage, Income also emphasizes creating value through innovative savings plans.
  • Innovative Financial Solutions: Offers a wide range of products designed to meet various financial goals and protection needs.
  • Client-Centric Approach: Dedicated to understanding and addressing the unique needs of each client with tailored solutions.
  • Comprehensive Protection: Combines savings with insurance coverage, ensuring peace of mind for policyholders.
  • Accessibility and Support: Provides multiple channels for clients to access services and support, ensuring a seamless customer experience.
  • Sustainability and Community Engagement: Engages in sustainable practices and community support activities, reflecting its commitment to social responsibility.
  • Customizable Plans: Flexible choice of premium and policy terms to perfectly align with your financial objectives.
  • Wealth Accumulation: Allows appointing a loved one as a secondary insured, facilitating continuous wealth growth.
  • Comprehensive Coverage: Stay protected against life’s uncertainties with coverage against death and terminal illness.
  • Guaranteed Acceptance: Ensures that everyone can get coverage, regardless of health conditions, providing peace of mind for all policyholders.
Address View branch locations here
Telephone View contact numbers here
Operating Hours Monday – Friday: 8.30am – 6.30pm
Review 1 “This plan offered the flexibility my family needed. Not only are we saving for our future, but we also rest easy knowing we’re covered against life’s unexpected turns. A truly comprehensive solution.”
Review 2 “I was pleasantly surprised by the level of customization available. It allowed me to tailor my policy exactly to my needs, ensuring that I’m not over or under-insured. Highly recommend it for anyone looking for a personalized savings plan.”
Review 3 “Knowing that my health condition wouldn’t impact my eligibility for coverage was a relief. Income Insurance has provided me with a sense of security, allowing me to focus more on my family and less on financial worries.”


Top Endowment Plan Providers in Singapore (Updated 2024) 1

Insurance Provider

DBS Bank

About DBS collaborates with Manulife to present the SavvyEndowment 15, a financial product designed to blend the benefits of savings with the assurance of insurance coverage. This partnership leverages DBS’s banking excellence and Manulife’s insurance expertise to offer a secure investment opportunity.
  • Strategic Partnership: A collaboration that combines DBS Bank’s robust banking infrastructure with Manulife’s insurance acumen.
  • Customer Focus: Prioritizes customer needs with easy-to-understand and accessible financial products.
  • Innovative Solutions: Introduces products like SavvyEndowment 15 that cater to both savings and insurance needs.
  • Digital Ease: Emphasizes hassle-free online applications to streamline the customer journey.
  • Community Trust: Both institutions are committed to building a relationship of trust with their clients, evidenced by transparent policies and clear communication.
  • Flexible Investment: Offers a one-year endowment plan with a competitive return rate, appealing to those seeking short-term, secure investments.
  • Hassle-Free Application: Simplifies the process with an online application that requires no health check-up, broadening accessibility.
  • Guaranteed Capital: Guarantees 100% of the capital after one year, providing a secure investment option.
  • Additional Benefits: Includes death coverage during the policy term and potential bonus interest on DBS Multiplier Accounts, enhancing the value proposition.
Address View branch locations here
Telephone  1800 111 1111
Operating Hours View branch opening hours here
Review 1 “The application process for SavvyEndowment 15 was incredibly straightforward and quick. It’s refreshing to see such efficiency in financial services.”
Review 2 “I appreciated the guaranteed capital feature of SavvyEndowment 15. It provided me with peace of mind knowing my investment was secure.”
Review 3 “The additional benefits, like the bonus interest on my DBS Multiplier Account, make SavvyEndowment 15 a standout choice for me.”


MayBank Top Endowment Plans Providers in Singapore

Insurance Provider

Maybank Singapore

About Maybank offers a comprehensive suite of endowment plans designed to cater to a wide array of financial goals, from short-term savings to long-term wealth accumulation and retirement planning. These plans are structured to provide both guaranteed capital upon maturity and life protection, ensuring peace of mind for policyholders.
  • Diverse Plan Options: Tailored solutions ranging from capital guaranteed plans to flexible retirement income plans.
  • Hassle-Free Application: Streamlined processes with no health checks required for guaranteed issuance policies.
  • Flexibility and Choice: Various payment and maturity benefit options to suit different savings and financial planning needs.
  • Comprehensive Coverage: Inclusion of death coverage across all policy terms for added security.
  • Innovative Features: Options like premium deferment and policy continuation for secondary life insured, addressing evolving customer needs.
  • Capital Guaranteed Solutions: Ensures that policyholders receive back their full premium at the end of the policy term, aligning with secure investment preferences.
  • Flexible Maturity Benefits: Offers choices in how maturity benefits are received, catering to different financial planning strategies.
  • Continued Protection: Provides the option to extend coverage to a secondary life insured, ensuring ongoing wealth accumulation.
  • Retirement Planning Focused: Tailored plans like Enrich Retirement to deliver a steady income post-retirement, with options for level or escalating payouts.
Address 2 Battery Road Maybank Tower Singapore 049907
Telephone View contact details here
Operating Hours Mon – Fri: 10am – 6.30pm
Review 1 “Maybank’s endowment plan was exactly what I needed to secure my savings with the added benefit of insurance coverage. The hassle-free application process made it even better.”
Review 2 “The flexibility to choose how I receive my maturity benefits allowed me to tailor my plan perfectly to my long-term financial goals. Maybank truly understands the diverse needs of its customers.”
Review 3 “Opting for Enrich Retirement has given me peace of mind about my future income. Knowing my capital is guaranteed at my selected retirement age is reassuring.”


AXA Top Endowment Plans Providers in Singapore

Insurance Provider


About AXA EARLY SAVER PLUS is an endowment plan crafted to support individuals in realizing their financial dreams, from funding a child’s education to acquiring an investment property or enjoying a dream holiday. This plan stands out for its blend of guaranteed returns, flexible saving periods, and enhanced protection, offering a comprehensive solution for wealth accumulation and financial security.
  • Comprehensive Financial Planning: Tailored to support various long-term goals with one of the industry’s most competitive guaranteed returns.
  • Enhanced Protection Options: Incorporates death, total and permanent disability, and terminal illness coverage, with accident benefits for comprehensive peace of mind.
  • Flexibility for Life’s Milestones: Offers choices in premium payment and policy terms, alongside options for cash payouts, aligning with different life stages and financial objectives.
  • Uninterrupted Policy Benefits: Features optional riders to safeguard against disruption due to critical life events, ensuring continuous coverage and investment growth.
  • Simplified Application Process: Guarantees issuance without medical underwriting, facilitating an easy start to strategic financial planning.
  • Guaranteed Returns: Delivers one of the highest guaranteed returns in the market, fostering reliable wealth accumulation.
  • Policy Term Options: Provides flexibility in selecting policy terms from 10 to 25 years, tailored to individual financial timelines.
  • Accident and Medical Expense Coverage: Enhances the plan with additional benefits for accidents and specific medical expenses, extending beyond traditional endowment plan protections.
  • Guaranteed Cash Payouts: Introduces guaranteed cash benefits in the plan’s concluding years, offering a tangible step towards achieving financial dreams.
Address 8 Shenton Way, #24-01 AXA Tower, Singapore 068811
Telephone 1800 880 4888
Operating Hours 9:00am – 5:30pm, Monday – Friday
Review 1 “Choosing AXA EARLY SAVER PLUS was a game-changer for my financial planning. The guaranteed returns and flexible saving period aligned perfectly with my goals.”
Review 2 “The enhanced protection coverage provided by EARLY SAVER PLUS gave me peace of mind knowing my family is secure, no matter what happens.”
Review 3 “I was amazed at how simple the application process was. No medical checks and guaranteed acceptance made starting my financial journey with AXA stress-free.”
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AIA Top Endowment Plans Providers in Singapore

Insurance Provider


About AIA’s endowment plans are tailored financial solutions aimed at achieving a range of personal and family financial goals. These plans blend savings with protection to offer a comprehensive approach to financial security and legacy planning.
  • Versatile Financial Instruments: Designed to support diverse goals like retirement savings, educational funding, and long-term financial security.
  • Combination of Protection and Savings: Each plan incorporates an insurance component, ensuring peace of mind alongside wealth accumulation.
  • Participating Fund Profits: Offers the potential for bonuses or dividends through participation in the company’s funds, enhancing maturity payouts.
  • Flexible Premium Payment Structure: Provides options for both regular contributions and single premium payments, catering to different financial capabilities.
  • Broad Maturity Period Spectrum: Ranges from short-term options for immediate goals to long-term plans for substantial future returns.
  • Guaranteed Returns: Some plans, like AIA Smart Wealth Builder (II), offer a capital guarantee, providing a secure investment base.
  • Flexible Saving Periods: Options to choose premium payment terms and policy lengths allow for personalized financial planning.
  • Enhanced Protection Coverage: Includes coverage for death, TPD, and TI, with certain plans offering additional benefits for accidental death.
  • Guaranteed Cash Payouts: Plans like AIA Smart Flexi Rewards (II) feature guaranteed yearly coupons, boosting liquidity and financial flexibility.
  • No Medical Underwriting: Simplifies the application process, making these plans accessible to a wider audience.
Address 1 Robinson Rd, AIA Tower, Singapore 048542
Telephone 65 1800 248 8000
Operating Hours Monday – Friday, 8:45 AM – 5:30 PM
Review 1 “Quite. Average in comparison with other endowment plan.. Signed up in a haste.. Returns are not as attractive and regretted buying.. 25 years is too long..”
Review 2 “Purchase last month but unsure if return are good or not. There are many AIA roadshow around Shopping Mall recently. Put in 15 years, hope it’s a best choice”
Review 3 “The guaranteed returns feature of my AIA plan provided a solid foundation for my investment, ensuring my peace of mind throughout the policy term.”


Manulife Top Endowment Plans Providers in Singapore

Insurance Provider


About Manulife offers a diverse range of endowment plans tailored to meet various financial goals, from securing a comfortable retirement to funding educational aspirations. These plans are designed to combine savings with insurance protection, providing both financial growth and peace of mind.
  • Financial Growth and Security: Aimed at combining savings with protection to secure your financial future.
  • Capital Guaranteed Options: Offers plans that guarantee 100% of your capital back upon policy maturity, ensuring your investment is protected.
  • Flexible Premium Payments: Provides options for both cash and Supplementary Retirement Scheme (SRS) contributions, making it accessible to a wide range of investors.
  • Comprehensive Coverage: Includes death coverage at 101% of your single premium, enhancing the plan’s value as a protective measure.
  • Simplified Application Process: Guarantees acceptance without health check-ups, streamlining the process for applicants.
  • Potential High Returns: Some plans offer potential returns of up to 3.60% p.a., appealing to those looking for competitive growth rates.
  • Maturity Bonus Options: Features plans with the potential for maturity bonuses, increasing the total payout upon the policy’s completion.
  • Variety in Policy Terms: Ranges from short-term (1-year) plans for quick returns to longer terms for substantial growth.
  • Protection and Savings Combination: Every plan is structured to provide a safety net alongside growth, ensuring a balanced financial approach.
Address 8 #01-01A, Cross St, Manulife Tower, Singapore 048424
65 6833 8188
Operating Hours Monday – Friday, 9:00 AM – 6:00 PM
Review 1 “Manulife’s endowment plan was a cornerstone in my financial planning. The guaranteed capital return gave me the confidence to invest.”
Review 2 “I appreciated the ease of application for my endowment plan. It was straightforward, with no health check-ups required.”
Review 3 “The potential for high returns with Manulife’s endowment plan makes it an attractive option for my savings goals.”


GreatEastern Top Endowment Plans Providers in Singapore

Insurance Provider

Great Eastern

About Great Eastern’s endowment plans are crafted to support individuals through various life stages, offering a balanced approach to savings and insurance protection. These plans are designed to grow your money through potential returns, ensuring your financial goals are met with certainty and your loved ones are protected.
  • Targeted Financial Growth: Designed to meet life goals through attractive potential returns upon maturity.
  • Flexible Payment Terms: Offers options to customize your plan according to your budget, with choices between 15-year or 20-year policy terms.
  • Capital Guarantee: Ensures 100% of your capital is returned upon policy maturity, securing your investment.
  • Comprehensive Protection: Coverage against Death, Total and Permanent Disability, and Terminal Illness included, providing peace of mind alongside financial growth.
  • Attractive Yield: Look forward to up to 3% p.a.* potential returns upon maturity, aiding in achieving life goals with ease.
  • Customizable Plans: Different premium payment terms available, from as low as S$100 per month, offering flexibility to plan according to individual financial situations.
  • Guaranteed Capital: A promise of capital security at maturity, reflecting commitment to medium to long-term financial planning.
  • Enhanced Coverage Options: Additional critical illness and hospitalization coverage options are available to supplement the primary endowment plan, providing comprehensive protection.
1 Pickering Street #01-01, Great Eastern Centre, Singapore 048659
Telephone 65 6248 2211
Operating Hours Mon – Fri, 9.00am to 5.30pm
Review 1 “Great Eastern’s endowment plan has been a cornerstone in my financial strategy. Knowing my capital is guaranteed gives me immense peace of mind.”
Review 2 “The flexibility in premium payment terms allowed me to tailor my plan perfectly to my budget without compromising my financial goals.”
Review 3 “Seeing the potential for up to 3% returns upon maturity made choosing Great Eastern an easy decision for securing my family’s future.”


Life Insurance Top Endowment Plans Providers in Singapore

Insurance Provider

Life Insurance Corporation

About Life Insurance Corporation (Singapore) Pte Ltd, nestled in the heart of Singapore at Bharat Building, specializes in providing customers with innovative insurance solutions. Their Wealth Plus 3.0 plan is a testament to their commitment to offering financial products that ensure both security and growth for their policyholders.
  • Strategic Financial Solutions: Offers a range of insurance products designed to secure the financial future of individuals and families.
  • Guaranteed Returns: Focus on providing plans like Wealth Plus 3.0, which guarantees returns, ensuring peace of mind for investors.
  • Simplified Insurance Experience: Emphasizes easy application processes and guaranteed acceptance, making insurance accessible to all.
  • Comprehensive Coverage: Provides robust protection coverage including death, TPD, and terminal illness benefits.
  • Guaranteed Maturity Benefit: Promises a guaranteed maturity benefit at the end of the policy term, emphasizing the plan’s role in future financial planning.
  • Accidental Death Benefit: Offers an additional 10% of the single premium as an accidental death benefit in the first policy year, enhancing the plan’s coverage.
  • Flexible Premium Options: Allows for a single premium payment with a minimum of S$20,000 and up to S$200,000, catering to various investment capabilities.
  • Guaranteed Returns Plan: As a non-participating policy, it assures policyholders of a fixed return, simplifying the investment decision process.
Address 3 Raffles Place, #07- 01, Bharat Building, Singapore 048617
Telephone 65 6223 4797
Operating Hours Contact for opening hours
Review 1 “Investing in Wealth Plus 3.0 gave me the financial certainty I needed. Knowing my capital is guaranteed made all the difference.”
Review 2 “The accidental death benefit in the first year provided an extra layer of security. It’s comforting to know my family is protected.”
Review 3 “Life Insurance Corporation (Singapore) made the application process for Wealth Plus 3.0 straightforward and hassle-free. It’s refreshing to see such accessibility in insurance.”


Etiqa Top Endowment Plans Providers in Singapore

Insurance Provider



Etiqa Insurance offers a versatile suite of endowment plans designed to cater to a broad spectrum of financial goals, from securing retirement income to achieving specific savings milestones. These plans are structured to provide policyholders with both capital protection and attractive growth potential over varying terms.

  • Diverse Financial Solutions: Tailored to meet individual and family objectives, ensuring financial resilience and growth.
  • Capital Guarantee: Focuses on securing the policyholder’s investment, offering peace of mind regarding capital protection.
  • Flexible Terms: Provides options for short and long-term financial planning, with terms suited to different life stages and goals.
  • Accessibility: Simplifies the application process with no medical check-up required, making it easy for a wider audience to get insured.
  • Variety of Products: Includes plans like Tiq 3-Year Endowment with high guaranteed returns, catering to both conservative and growth-oriented investors.
  • Guaranteed Returns: Some plans offer guaranteed returns, appealing to those seeking assured growth on their investments.
  • Flexible Policy Terms: From single premium payments to extended premium terms, offering customization to fit various financial scenarios.
  • Enhanced Protection: Beyond savings, plans include death benefits and options for increased coverage under certain conditions.
  • Lump-Sum Payouts: Select plans promise lump-sum payouts upon maturity, contributing to significant financial milestones like retirement or children’s education.
Address 16 Raffles Quay, Hong Leong Building, #01-04A, Singapore 048581
Telephone 65 6887 8777
Operating Hours Mon – Fri, 8.30am – 5.30pm
Review 1 “Etiqa’s endowment plan was a straightforward choice for my retirement planning. The capital guarantee gave me confidence in my investment.”
Review 2 “The flexibility in premium terms allowed me to tailor my financial planning without overstretching my budget. Etiqa made it easy.”
Review 3 “Choosing the Tiq 3-Year Endowment plan offered me an attractive return rate, which is exactly what I was looking for to boost my savings.”


Prudential Top Endowment Plans Providers in Singapore

Insurance Provider

Prudential Singapore

About Prudential offers a comprehensive range of endowment plans designed to cater to the diverse financial goals of individuals in Singapore. These plans are tailored to combine the benefits of savings with protection coverage, ensuring policyholders can grow their funds while being safeguarded against life’s uncertainties.
  • Holistic Financial Solutions: Prudential’s endowment plans are crafted to support various long-term objectives, from education funding to retirement planning.
  • Guaranteed Capital: Many of these plans assure the return of total premiums paid upon maturity, providing a secure investment avenue.
  • Customizable Terms: With flexible policy terms and premium payment options, individuals can align their financial planning with specific milestones.
  • Enhanced Coverage: Options to add supplementary benefits, such as critical illness waivers, offer an additional layer of security to policyholders.
  • Digital Accessibility: Prudential simplifies the process of obtaining endowment plans with online quotes and purchases, enhancing customer convenience.
  • Diverse Premium Options: Offers both single and regular premium endowment plans, accommodating different financial commitments.
  • Capital Security: Focuses on capital-guaranteed plans upon maturity, appealing to conservative investors seeking assured returns.
  • Policy Term Flexibility: Enables customization of policy terms to match specific financial goals, ensuring funds are available when needed.
  • Supplementary Benefits: Provides an array of add-on benefits for comprehensive coverage, including premium waivers under certain conditions.
  • Online Purchase Ease: Prudential’s digital platforms allow for quick and easy plan comparisons, quotes, and purchases, streamlining the insurance buying process.
Address 5 Straits View #01-18/19, Marina One The Heart, Singapore 018935
Telephone 1800 333 0333
Operating Hours Mondays to Fridays, 9:00am to 4:00pm (By Appointment Only)
Review 1 “Prudential’s endowment plan gave me the confidence to save for my future, knowing my capital is guaranteed.”
Review 2 “The ability to customize my policy term with Prudential was a game-changer for my financial planning.”
Review 3 “Adding critical illness coverage to my endowment plan with Prudential provided me with the peace of mind I was looking for.”
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FWD Top Endowment Plans Providers in Singapore

Insurance Provider


About FWD Singapore offers an innovative 3-year endowment plan designed to combine savings with insurance, providing customers with attractive returns and capital guarantee. This plan stands out in the market for its high guaranteed returns and commitment to ensuring policyholders’ capital is protected, regardless of market conditions.
  • Competitive Returns: Promises the highest guaranteed returns in the market at 2.02% per annum upon plan maturity.
  • Capital Protection: Guarantees 100% of the capital upon maturity, ensuring a secure investment.
  • Accessible Savings: Allows starting with a minimal investment of S$1,000, making it accessible to a wide audience.
  • Short-term Growth: Offers a concise 3-year term for quick returns, ideal for short-term financial planning.
  • Integrated Insurance Coverage: Includes death benefit coverage, providing a safety net for policyholders’ loved ones.
  • Market-leading Guaranteed Returns: FWD’s plan is distinguished by offering the highest guaranteed returns over a 3-year period.
  • Flexible Investment Threshold: Accommodates investments ranging from S$1,000 to S$15,000, catering to various saving capacities.
  • Policy Owners’ Protection Scheme: Ensures that the policy is automatically protected under the Singapore Deposit Insurance Corporation’s scheme.
  • Effortless Online Application: Streamlines the application process with easy online payment options and minimal documentation requirements.
Address 6 Temasek Boulevard, #18-01 Suntec Tower Four, Singapore 038986
Telephone 65 6820 8888
Operating Hours Monday to Friday: 9:00am – 6:00pm
Review 1 “The guaranteed returns on FWD’s endowment plan provided me with a secure way to grow my savings in a short period.”
Review 2 “Starting my investment journey with FWD was straightforward, thanks to the low initial capital requirement.”
Review 3 “Knowing my investment is protected under the Policy Owners’ Protection Scheme gave me extra peace of mind.”


China Life Top Endowment Plans Providers in Singapore

Insurance Provider

China Life Insurance

About China Life (Overseas) Singapore offers a range of endowment plans designed to meet the savings and protection needs of individuals looking for secure financial planning options. These plans are tailored to provide a combination of rewarding maturity payouts, capital guarantees, and protection coverage, ensuring policyholders can save confidently for the future.
  • Diverse Plan Options: From short to long-term savings, catering to different financial goals and timelines.
  • Capital Guarantee: Ensures 100% capital return upon plan maturity, offering peace of mind to investors.
  • Flexible Terms: Offers a variety of policy and premium payment terms, allowing customization based on individual needs.
  • No Medical Examination: Simplifies the application process with no health check-up required for policy issuance.
  • Protection Benefits: Includes death coverage to safeguard policyholders’ families, alongside the savings component.
  • SaveForward and FlexiCash Plans: Feature options for lump sum maturity payouts and guaranteed yearly cash benefits, respectively, catering to both lump sum and regular income preferences.
  • SpecialSave Growth (RMB): Offers guaranteed returns in Renminbi, allowing investors to diversify their portfolio with foreign currency investments.
  • Non-Guaranteed Bonuses: Some plans include potential non-guaranteed bonuses, adding an element of growth above the base guarantee.
  • Short-Term Commitment: With terms as brief as 3 years available, these plans are suitable for individuals seeking quicker returns on their investments.
Address 1 Raffles Place #46-00, One Raffles Place Tower 1, Singapore 048616
Telephone 65 6727 4820
Operating Hours Mon – Fri: 9am – 5.30pm
Review 1 “Investing in China Life’s endowment plan was straightforward and rewarding, with the capital guarantee giving me complete peace of mind.”
Review 2 “The flexibility in choosing my policy term allowed me to align my financial planning perfectly with my future goals.”
Review 3 “Opting for the SpecialSave Growth plan enabled me to diversify my savings with RMB, which I found to be a unique advantage.”


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HSBC Top Endowment Plans Providers in Singapore

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Insurance Provider


About HSBC Life Singapore introduces the HSBC Life Online Endowment plan, designed to offer individuals a secure and efficient way to achieve their financial goals. This plan combines attractive guaranteed returns with the safety of capital protection, tailored for those seeking a short-term investment with robust growth potential.
  • Guaranteed Returns: Offers a compelling guaranteed return rate of 3.9% per annum, culminating in total guaranteed returns of 12.16% at the end of a 3-year term.
  • Capital Protection: Provides the assurance of 100% capital guarantee upon plan maturity, ensuring a risk-free investment.
  • Flexible Investment: Accepts a single premium starting from SGD 10,000 to a maximum of SGD 100,000, accommodating various investment capacities.
  • Comprehensive Coverage: Alongside savings, the plan includes death and terminal illness benefit coverage, enhancing the value proposition.
  • Simplified Application Process: Facilitates easy online application through MyInfo for a hassle-free policy acquisition experience.
  • Attractive Guaranteed Annual Growth: The plan stands out with a unique offering of 3.9% annual growth, leading to significant total returns after 3 years.
  • Short Commitment with High Returns: Tailored for those seeking quick returns, this 3-year plan is ideal for short-term financial planning.
  • Investment Accessibility: Designed to be accessible with a low entry point of SGD 10,000, making it suitable for a wide range of investors.
  • Online Convenience: HSBC Life prioritizes customer convenience with a fully digital application and payment process, streamlining the investment journey.
Address 9 Battery Road,  #12-01 MYP Centre,  Singapore 049910
Telephone 65 6225 6111
Operating Hours Mondays to Fridays, 9am to 5pm
Review 1 “HSBC Life’s endowment plan was exactly what I needed for my short-term financial goals. The guaranteed returns were a major draw.”
Review 2 “I appreciated the ease of application with HSBC Life. Using MyInfo made the process quick and straightforward.”
Review 3 “Investing in the HSBC Life Online Endowment plan gave me peace of mind with the capital guarantee and impressive returns.”


Top Endowment Plan Providers in Singapore (Updated 2024) 2

Insurance Provider


About Singlife offers a comprehensive suite of endowment plans tailored to cater to a wide array of financial goals, from short-term savings to legacy planning. These plans are designed with flexibility and capital protection at their core, ensuring policyholders can confidently invest in their future.
  • Diverse Product Range: From the Choice Saver for flexible savings to the Legacy Income for generational financial security, catering to various investment horizons.
  • Guaranteed Returns: Features competitive guaranteed returns, providing a stable growth environment for policyholders’ investments.
  • Flexible Policy Terms: Offers customizable policy durations and premium payment terms, aligning with individual savings goals and financial planning needs.
  • Capital Protection: Ensures capital guarantee across most plans, securing the policyholder’s financial contribution against market volatilities.
  • Additional Benefits: Includes options for guaranteed annual cash payouts and maturity benefits, enhancing the value proposition for savers.
  • Singlife Choice Saver: A flexible plan that guarantees your capital and offers lump-sum payouts, with no medical check-up required.
  • Singlife Steadypay Saver: Rewards steady savers with guaranteed annual cash payouts, allowing for policy term customization.
  • Singlife Legacy Income: A whole life savings plan offering early payout options and tiered income and cash bonuses, suitable for wealth transfer.
  • Singlife Flexi Life Income II: Provides yearly cash payouts for life, along with attractive guaranteed returns, emphasizing lifetime financial security.
  • Singlife Secure Saver Series: Focuses on short-term investments with one of the best market rates for guaranteed yield, featuring 100% capital guarantee from the second policy year.
Address 50 Raffles Place #29-01, Singapore Land Tower, Singapore 048623
Telephone 65 6236 2210
Operating Hours Mon – Fri: 9am – 5.30pm
Review 1 “Singlife’s Choice Saver plan was a perfect fit for my diverse financial planning needs, offering both flexibility and security.”
Review 2 “I opted for the Steadypay Saver for its annual cash payouts, which have significantly supported my goal of building a steady income stream.”
Review 3 “The Legacy Income plan gave me peace of mind knowing my family’s future is secure, thanks to its flexible whole life coverage.”


China Taiping Top Endowment Plans Providers in Singapore

Insurance Provider

China Taiping Insurance

About China Taiping i-CashLife is a comprehensive whole-life, limited-pay endowment savings plan that not only facilitates yearly cash benefits after the premium payment term ends but also extends until the significant age of 120. It combines the dual benefits of savings and insurance, offering policyholders an opportunity to grow their money while ensuring financial security for themselves and their loved ones.
  • Flexible Premium Payment Terms: Allows for premium payments over 5 or 10 years, catering to different financial capacities.
  • Yearly Cashbacks: Provides yearly cashbacks of up to 3.95% p.a. of total yearly premiums until age 120, offering a steady income stream post-premium payment term.
  • Guaranteed Loyalty Cashback: Rewards policyholders with an additional yearly cashback every 20th policy year and every decade thereafter, enhancing the savings potential.
  • Secondary Life Insured Option: Enables policyholders to nominate a loved one as the secondary insured, ensuring the continuation of benefits beyond the policyholder’s lifetime.
  • Capital Guarantee: Ensures 100% of total yearly premiums are guaranteed at the end of the chosen premium payment term, securing the invested capital.
  • Lifetime Cash Benefits: Unique in offering yearly cash benefits extending till the age of 120, providing long-term financial stability.
  • High Flexibility in Premium Payment: Offers a choice between 5 and 10 years for premium payment, allowing policyholders to plan according to their financial situation.
  • Reinvestment Options: Offers the flexibility to reinvest yearly cash benefits at prevailing rates for greater future returns.
  • Guaranteed Acceptance: Simplifies the application process with guaranteed acceptance and no medical checks required, making it accessible to a wider audience.
Address 3 Anson Road #16-00, Springleaf Tower Singapore 079909
Telephone 65 6389 6111
Operating Hours Monday to Friday, 8:45am to 5:30pm
Review 1 “Choosing i-CashLife for my savings plan was a game-changer. The yearly cashbacks have significantly bolstered my income.”
Review 2 “The option to appoint a secondary life insured gave me peace of mind about my family’s financial future.”
Review 3 “The loyalty cashback feature is a brilliant addition. It feels like a reward for my commitment to saving with China Taiping.”


Editor’s Note:

While every precaution has been made to ensure the accuracy and fairness of this listing, we acknowledge that they may be inaccuracies. Therefore, we urge you to contact the service provider above for the correct information and/or contact us with the correct information.

If you are a service provider and wish to be featured in this listing (MediaOne reviews are read by hundreds of thousands of Singaporeans), please contact us at There is no charge! Please allow us up to 3 working days to review before adjusting the information or including your entry.

About the Author

Tom Koh

Tom is the CEO and Principal Consultant of MediaOne, a leading digital marketing agency. He has consulted for MNCs like Canon, Maybank, Capitaland, SingTel, ST Engineering, WWF, Cambridge University, as well as Government organisations like Enterprise Singapore, Ministry of Law, National Galleries, NTUC, e2i, SingHealth. His articles are published and referenced in CNA, Straits Times, MoneyFM, Financial Times, Yahoo! Finance, Hubspot, Zendesk, CIO Advisor.


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