Types of REPs

Regular Premium

Requires an initial amount to take over the policy together with ongoing premium commitments.

Suitable for: Investors who prefer less ongoing premium commitment.

An initial sum to take over the policy and annual premiums are made to the policy for part of the remaining term.

Suitable for: who prefer a shorter period of premiums commitment.

An initial sum to take over the policy and regular annual premiums are made to the policy. AE comes with dcash benefits component.

Suitable for: who prefers liquidity and flexibility. The cashbacks can act as emergency funds as they can be withdrawn any time if required.

Build a portfolio around future retirement needs and planned cash-flow requirements.

Consider policies with maturity dates that align with future education expenses.

Incorporate existing endowment policies into broader long-term financial planning.

Explore options for organisations with surplus funds, sinking funds or longer-term financial objectives.