Check my policyHome / Sell my policy / Whole life
We buy participating whole life policies from Singapore's main insurers with our own money, case by case. If we would buy yours, our written offer sits beside your net surrender value so you can compare the two.
Last reviewed 15 October 2026
A whole life policy is usually bought to protect someone. Selling it ends that protection.
After the sale, any death benefit is paid to us as the new owner, not to your family or nominee. If anyone relies on that money, arrange other cover before you sell.
Premiums for new life cover are set by your age and health today. Get a quote first, so you know what replacing the cover would cost.
If you can afford the premiums and still want the cover, keeping the policy, borrowing against it or making it paid-up may suit you better. Compare your choices
We value a whole life policy mainly on its cash value and how that value is projected to grow. We never ask for medical information.
Your insurer's net surrender value is the starting point. Our offer has to beat it, or there is no reason to sell.
Reversionary bonuses already added to the policy are part of its value. Future bonuses are not guaranteed, so we project them carefully.
We take over every premium still due. The more there is left to pay, the lower the price we can offer.
The date of birth on the policy tells us how long the policy is likely to run. It is the only personal detail about the life assured we use.
Any loan and its interest stay with the policy. We take them off the price and show you how.
Critical illness, waiver of premium and other riders may end on a sale, or may need to be removed first. We check with your insurer.
Both can be sold by absolute assignment. They are valued differently because they pay out differently.
| Whole life | Endowment | |
|---|---|---|
| When it pays out | On death, or when surrendered. Some plans also pay at a high age set in the policy. | On a fixed maturity date, or earlier on death. |
| What we value it on | Cash value and how it is projected to grow | Maturity value and the years left to maturity |
| Do we buy it? | Case by case | Yes, if it meets our conditions |
| What you give up | Life cover, usually for the rest of your life | The maturity payout, and any cover until then |
Nothing is decided until you sign the assignment. You can stop at any point before that.
Often, yes. The rider may end on the sale or may need to be removed first. We check with your insurer before we make an offer.
No. A sale transfers the whole policy. If you need part of its value, ask your insurer about a partial surrender or a policy loan.
A revocable nomination generally ends when the policy is assigned. A trust nomination usually blocks a sale unless the trustees agree. About absolute assignment
Only if our offer is higher than your net surrender value and you no longer need the cover. Sometimes it isn't, and we tell you.
Rarely, because their cash values tend to be low. Tell us about it and we give you a straight answer.
Tell us about it and we reply with a straight answer. No NRIC, no obligation.