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PolicyWoke is a resale insurance policies broker that cares about your finances. We help you encash your insurance policies by selling to us at up to 10% above surrender value, if you are in financial stress including but not limited to:

  • Loss / reduction of job income

  • Credit card debt

  • Mortgage debt

  • Divorce settlement

If you are not in financial stress but are planning to sell your insurance policies to us, we will help calculate and then inform you the projected IRR (internal rate of return) of each insurance policy. You will still get to decide if you want to sell your insurance policies to us.

For each insurance policy sold to us, PolicyWoke will re-sell them as short-term, high-interest savings plans. These policies will be re-sold to individuals who can take over and service the remaining premium, and earn higher interest than most banks' savings accounts.





Ethan Loh is an employee turned entrepreneur at PolicyWoke with background from property management to training, financial and operational risk management. He graduated from the National University of Singapore (NUS) with a Bachelor in Projects and Facilities Management. Ethan is an Associate Financial Planner certified by Financial Planning Association of Singapore. He has successfully helped people in personal finance by conducting financial literacy seminars. His diverse background anchors the company's operation and the brain child of PolicyWoke.



Jimmy Lim is an employee turned entrepreneur at PolicyWoke with background from software engineering. He graduated from the National University of Singapore (NUS) with Bachelor of Computing and he has a certification in Object Oriented Design Patterns issued by NUS Institute of Systems Science. He is currently managing the website and social media of PolicyWoke, and he is building business relationships with finance professionals, clients and collaborators to grow the business. His software engineering skill-set comes in handy when he is required to write software design documents to describe the software interfacing required for collaborating with InsurTechs.



David Poon is a serial entrepreneur at PolicyWoke with businesses spanning across finance, interior design, and property investment. He graduated from the National University of Singapore (NUS) with a Bachelor of Science (majoring in Life Sciences, minoring in Computational Sciences) and was part of the Gifted Education Programme. David has co-authored 4 scientific papers and was awarded A&A for a 5M landed property. He has successfully helped over 100 clients with his interior design projects and was featured in The Business Times of Singapore. He has written a book Singaporean Landlord published at Singaporean Landlord . His dynamic background and zest for entrepreneurship makes him a great problem solver at PolicyWoke.


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©2020 by PolicyWoke Pte. Ltd. 
PolicyWoke Pte. Ltd. (201936556K) is not licensed, approved, registered or otherwise regulated by the Monetary Authority of Singapore or any other applicable regulator in Singapore or otherwise in respect of any of its activities, nor does it hold itself out as being so licensed, approved, registered or otherwise regulated.
PolicyWoke Pte. Ltd. does not hold itself out to be carrying on any activities which would require them to be so licensed, approved, registered or otherwise regulated (including but not limited to regulated activities under the Securities and Futures Act (Cap.289) and financial advisory services under the Financial Advisors Act(Cap.110) of Singapore).