Compare Endowment Plans in Singapore

Moneyline.SG compares over 15 insurance providers to get you the best endowment plan in Singapore.

Learn about the different types of endowment plans and compare plans from different insurers to find the best endowment plan in Singapore that suits your needs.

Endowment Plan Singapore

Why Get an Endowment Plan?

Endowment Plans Are Stringently Regulated by MAS to Protect Consumers

Stable Returns

Most endowment plans provide stable returns that can beat the banks over a period or at maturity.

Lump Sum or Regular Pay

Choose between different payment options, such as a one-time lump sum payment or regular premium payments. You can even choose how you receive the payouts, such as receiving a lump sum or regular payments over time. This flexibility provides you with an all-weather solution to your financial planning goals.

Principal Guaranteed

All endowment plans in Singapore provide full or partial principal guaranteed by the insurer and policy owner protection scheme upon maturity or later in the policy term; hence your money is safe.


Your endowment plan can serve a different purpose at different life stages. Whether it is for your child's education, retirement or future expenditure, your endowment plan provides predictable outcomes to meet your financial targets.

Compare and Get Quotes from Different Endowment Plan Providers

We can help you get quotes for these plans from the respective providers and get you the best endowment plan in Singapore.

Endowment Plan

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Other Features of an Endowment Plan

real financial planning

Add Riders

Here are some riders you may add to your endowment plan’s protection to ensure that the plan continues upon the payor’s death or diagnosis of a certain condition.


  • Payor Premium Waiver
  • Cancer Premium Waiver
  • Critical Illness Premium Waiver
  • Payor Critical Illness Premium Waiver


Secondary Life Assured

Allows your plan to be transferred to a third party so the other party can enjoy the fruit of your labour whether you are around or not


Lifetime Endowments

Certain insurers have plans with the option for you to maintain the plan for life and allow partial withdrawal anytime when there’s cash value within the policy term without any penalty. Such plans have multiple uses and purposes.

What Should You Look Out for When Buying an Endowment Plan?

  • 4.25% p.a. is neither the maximum nor indicative return of the endowment plan. It’s a projection.
  • There are participating and non-participating endowment products, so know what you are buying.
  • Know the guaranteed returns; this way, you can avoid the worst return for your endowment upon maturity. 
Critical Illness Plan

The Biggest Advantages of Getting an Endowment Plan Are the Certainty and the Exit Strategy That Comes with It Being Created by You for You or Your Loved Ones

Get your Quote

An MAS-Licensed Expert will provide you with objective advice and help you compare insurance quotes from different providers. 100% free and no commitment. Retrieve your info using your singpass app or manually fill in the form below.

Frequently Asked Questions

Latest Articles Related to Endowment Plans

Endowment plans provide policy owners with a lump sum upon maturity with the benefit of compounding returns for a period of their choosing. The benefit includes a potentially higher return than bank savings with principal guaranteed if certain criteria are fulfilled. If you are looking for comprehensive coverage for a set period of time, you may also want to consider term life insurance in addition to an endowment plan.

A short-term endowment plan in Singapore, on the other hand, is a type of investment plan that typically has a term of two to six years, during which the policyholder pays premiums into the plan. At the end of the term, the policyholder receives a guaranteed lump sum payout.

You should consider it if you prefer your savings to have a principal guaranteed element as well as a potential return that can beat the bank in the long term. You should also have a conservative risk profile, or it can be part of a wealth product that serves as cash in your overall investment or wealth accumulation portfolio.

Most endowment plans guarantee principal and interest if the policy owner fulfils the contract obligations. As shown in the benefit illustration, some have partial principal guaranteed upon maturity.

There will be no way to ascertain this as this is a non-guaranteed return. Most potential buyers will be able to see the historical returns from the first two pages of the policy illustration. Such previous returns do not guarantee future performances, even if they can be a good sign/indicator of whether the plan can outperform or keep up with higher projections.

Certain endowment plans provide other features, such as retrenchment benefits or payout.

Yes. However, you might suffer a loss of principal if the termination comes early on during the contract.

Click on ‘Get a Quote’, and an expert and seasoned financial advisor will provide objective advice and get quotes from different companies for you to compare. This service is 100% free with no obligation on your end.


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