Getting The Right Plan

Types of reps / teps

There are mainly 3 types of Traded / Resale Endowment Policies:

1. Regular Premium (RP)

An initial sum to take over the policy and regular annual premiums are made to the policy for the remaining term. Suitable for those with a regular future stream of income. RP has the highest wealth accumulation effect.

2. Limited Pay (LP) or Single Premium (SP)

An initial sum to take over the policy and annual premiums are made to the policy for part of the remaining term. Suitable for those who prefer a shorter period of premiums commitment.

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3. Anticipated(With Cashbacks) (AE)

An initial sum to take over the policy and regular annual premiums are made to the policy. AE comes with cash benefits component. It is suitable for those who prefers liquidity and flexibility. The cashbacks can act as emergency funds as they can be withdrawn any time if required.

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Knowing Your Goals

Children Education

Cost of education is always rising and it’s important to plan for your children tertiary education early. This is even more especially if you plan for send them for studies abroad.

Children Education

Giving Your Children a Headstart In Life

Many parents would like their children to cultivate the habit of regular savings for their future, be it for marriage or to set up a business later. A REPs® / TEP allow you to do just that. Parents can come out with the initial lump sum and have the children continue the annual premiums to maturity once their child has the earning power.

Retirement Planning

Retirement is a long journey and it is vital to set aside sufficient funds for this purpose so you will be ready for retirement. Most people would usually prefer not to risk their retirement funds by going for speculative investments. REPs® / TEP is a safe and secure investment for you to grow your retirement funds. inflation-1

Hedging against Inflation

Inflation is a real thing and what it does is slowly erode your purchasing power if you do not do anything about it and park all your money in the bank. We need to ensure that your funds is earning a rate of returns that is higher than the inflation rate to achieve real growth.

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Planning for Wealth Distribution

Traded / Resale Endowment Policy is an effective tool to distribute your wealth to your loved ones or to your favourite organizations.

REPS®️ LADDER

REPs Ladder

REPs® Ladder is a series of policies that are tailored and customized to your portfolio needs. You are not restricted to 5/10/15/20 terms and get to enjoy staggering maturity value and cash flow.

Unlike other investments, no form of investment monitoring is required. REPs / TEP is a sleeping investment and it can effortlessly help you reach your financial goals. All you have to do is to put a lump sum and wait for the policy to mature.

Click here to read more.

Start building your REPs® Ladder today.

Promotions

Premium Plan of the Month

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Every month we will showcase a policy with a big lump sum upon maturity at attractive yields. Click here to view the current promotion.

Bundled Deal – Anticipated Endowment(AE)

Anticipated Endowments are flexible as they allow you to park cash savings with the insurers temporarily at good interest rates. You can utilize the cashback in a number of ways, including setting up an emergency fund or using them to offset future premiums.

Enjoy preferential rate by selecting at least 5 AE policies maturing in 11-19 year’s time.

REPs Ladder

By customizing your very own portfolio, we will be able to achieve a stream of income with your preferred timeline. This portfolio strategy is called the REPs Ladder, which allows you to enjoy consistent cash inflows from the maturity payouts every year. It's flexible and works like an annuity with a higher yield.

Large Sum Investments

1. Initial sum/capital which is 100K and above;

2. Institutional Investors or organizations looking to do recurring investments;

3. Planning to build your sinking funds or life funds

Things You should take note

Most of our clients strive to have a collection of REPs® / TEPs with staggering maturity dates to provide them with future streams of income. If all of these policies require on-going premiums, the annual premium commitment may add up to be quite substantial.
Traded / Resale Endowment Policies can be returned and sold back to REPs Holdings before their maturity dates. Even though this might mean getting back lesser value as compared to holding it to maturity, however, getting back all your capital at the minimum is still a good market exit strategy.