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Our business model: how we make money
We buy eligible policies with our own money and hold them to maturity. Our return is what the policy pays out, less our price and the premiums we take on. We don't broker policies or sell them on.
A buyer, not a broker
What we do with your policy, and what we don't.
| Question | What we do | What we don't do |
|---|---|---|
| Your policy | Buy it with our own money, if it is one we buy | Broker it, or look for another buyer for you |
| The price | Set it ourselves, in a written offer beside your net surrender value | Take fees from other buyers for introductions |
| After we buy | Pay the remaining premiums and hold the policy to maturity | Sell policies on to investors |
| If we don't buy | Say why, and help you surrender with your insurer's own forms | Pass your details to anyone else |
| What it costs you | Nothing | Charge for a check, an offer or our surrender guides |
What we are, and are not
A Singapore business you can reach at contact@surrenderpolicy.com or on WhatsApp at +65 8893 7909.
Not an insurer, and not affiliated with AIA, Prudential, Great Eastern or any other insurer.
Not regulated by MAS for buying policies. MoneySense states that MAS does not regulate buyers or intermediaries of traded life and endowment policies.
Not your financial adviser. Our guides are general information; for advice on your own situation, speak to a licensed adviser.
How we keep it fair
Both numbers in writing
Every offer prints your net surrender value beside our price. How we value a policy
Insurer forms, ungated
Official forms are one click away and never behind a contact form.
Your data, kept small
No NRIC or documents until we have spoken, and then only through a secure upload.
Free to walk away
You can stop at any point before you sign the assignment.
If something goes wrong
Write to contact@surrenderpolicy.com with your name and the policy concerned. We acknowledge every complaint within 2 working days and reply in full within 14.
If you are not satisfied, you can contact the Consumers Association of Singapore (CASE). For a question about the policy itself, contact your insurer directly.