Add insurance policies as a new asset class into your investment portfolio

Investing in Traded Endowment Policy (TEP) is buying priceless time!If you can invest in a 30-year Endowment policy on the 22nd year, with remaining 8 years to maturity, you are investing in a policy that has been in force for 22 years with cash value built up over the years; you are effectively buying priceless investment time.

You have just managed to skip the initial years of an endowment policy and invest directly into an endowment policy which has surpassed break-even point and derive the maximum benefits at the tail end of the policies.

The yearly bonuses declared by the insurance company will provide steady growth for the remaining term of your policy; while at maturity, you will receive a final maturity (terminal) bonus that is usually substantially larger than the annual bonuses.