Top 10 Best Endowment Plans in Singapore 2026

With interest rates stabilising and Singaporeans increasingly focused on long-term financial security, endowment plans remain one of the most popular ways to grow savings while enjoying life insurance coverage. Whether you’re planning for your child’s education, retirement, or a financial milestone, these top 10 endowment plans in Singapore 2026 offer competitive returns, flexibility, and peace of mind.

1. Prudential PRUWealth II

Prudential PRUWealth II is widely regarded as one of the best endowment plans in Singapore 2026, offering flexible premium terms and strong long-term wealth accumulation potential. Policyholders benefit from guaranteed cash value growth alongside non-guaranteed bonuses that can significantly boost returns over time. Its adaptable structure makes it a compelling choice for Singaporeans seeking a disciplined savings vehicle with life protection built in.

• 🌐 Website: https://www.prudential.com.sg/products/savings/pruwealth-ii

2. AIA Guaranteed Protect Plus (II)

AIA Guaranteed Protect Plus (II) stands out among Singapore’s top endowment plans for delivering 100% guaranteed maturity benefits, giving savers peace of mind regardless of market conditions. This plan combines capital protection with a death benefit, ensuring your loved ones are financially covered throughout the policy term. It is an ideal pick for conservative Singaporeans who prioritise certainty over speculative investment gains.

• 🌐 Website: https://www.aia.com.sg/en/our-products/savings/aia-guaranteed-protect-plus.html

3. Great Eastern GREAT Wealth Multiplier

Great Eastern GREAT Wealth Multiplier lives up to its name by offering tiered loyalty bonuses that multiply your savings the longer you stay invested — a smart strategy for long-range financial planning in Singapore. The plan provides life coverage alongside competitive projected returns, making it a dual-purpose solution for protection and wealth building. Great Eastern’s century-long heritage in Singapore adds an extra layer of trust and credibility.

• 🌐 Website: https://www.greateasternlife.com/sg/en/personal-insurance/our-products/savings-and-investment/great-wealth-multiplier.html

4. Manulife ReadyBuilder (II)

Manulife ReadyBuilder (II) is a flexible limited-pay endowment plan that lets Singapore savers complete premium payments in as few as five years while enjoying coverage and growth for decades. Its non-participating structure means returns are fully guaranteed, eliminating uncertainty and making financial projections straightforward. This plan is particularly popular among busy professionals in Singapore who want a set-and-forget savings solution with reliable outcomes.

• 🌐 Website: https://www.manulife.com.sg/en/products/savings/readybuilder-ii.html

5. NTUC Income Gro Saver Flex Pro

NTUC Income Gro Saver Flex Pro offers Singaporeans a highly customisable endowment experience, allowing policyholders to adjust premium payment terms and policy durations to suit their evolving financial goals. As a co-operative insurer deeply rooted in Singapore’s social fabric, NTUC Income pairs competitive projected yields with accessible entry points for a wide range of savers. The plan’s flexibility makes it one of the most versatile best endowment plans in Singapore 2026.

• 🌐 Website: https://www.income.com.sg/insurance/savings/gro-saver-flex-pro

6. Singlife with Aviva Savvy Saver

Singlife Savvy Saver is a modern endowment plan designed for digitally savvy Singaporeans who want transparent, straightforward savings growth without unnecessary complexity. The plan blends guaranteed returns with potential bonuses, offering a balanced approach to capital accumulation and financial security. Singlife’s innovative, customer-first philosophy makes Savvy Saver a refreshing alternative to traditional endowment offerings in the Singapore market.

• 📞 Phone: 96900499
• 🕐 Opening Hours: sations to ensure protection of personal data transferred am
• 🌐 Website: https://singlife.com

7. Tokio Marine TM Vantage (II)

Tokio Marine TM Vantage (II) is a premium endowment plan recognised for its strong guaranteed surrender values and attractive projected total returns, making it a top contender among the best endowment plans in Singapore 2026. The plan offers a single or limited premium payment structure, giving policyholders maximum flexibility in how they commit their capital. Backed by Tokio Marine’s global financial strength, Singapore savers can invest with confidence in their long-term wealth journey.

• 🌐 Website: https://www.tokiomarine.com

8. Sun Life Brilliance Endowment

Sun Life Brilliance Endowment brings international insurance expertise to Singapore’s competitive savings landscape, delivering a structured plan with guaranteed maturity payouts and meaningful life coverage. The plan is crafted for Singaporeans who value straightforward terms and the assurance of a globally reputable insurer managing their accumulated wealth. Its disciplined premium schedule helps cultivate good savings habits while steadily growing your financial nest egg.

• 🌐 Website: https://www.sunlife.com.sg/en/products/savings/brilliance-endowment.html

9. Etiqa Enrich Life (II)

Etiqa Enrich Life (II) is one of Singapore’s more affordable endowment options, offering attractive projected returns at competitive premium rates — a great entry point for first-time endowment plan buyers. As part of the Maybank Group, Etiqa combines financial stability with a customer-centric approach that resonates strongly with everyday Singaporeans. The plan’s straightforward structure and solid guaranteed benefits make wealth accumulation accessible without overwhelming complexity.

• 🌐 Website: https://www.etiqa.com.sg/products/life-insurance/savings/enrich-life/

10. FWD Life Save Plus

FWD Life Save Plus is a sleek, digital-first endowment plan that appeals to younger Singaporeans looking to kickstart their savings journey with minimal friction. The plan offers guaranteed returns at maturity alongside life protection, wrapping essential financial benefits into a clean, easy-to-understand package. FWD’s commitment to simplifying insurance in Singapore shines through in Save Plus, making it a standout choice among the best endowment plans in Singapore 2026.

• 📞 Phone: 6322 2072
• 🌐 Website: https://www.fwd.com.sg

Compare these top endowment plans carefully based on your financial goals, risk appetite, and policy tenure — and consider speaking with a licensed financial adviser to find the best fit for you.