▁or ▁Unit ▁Linked ▁policy . ▁If ▁bon uses ▁are ▁in ▁ster ling ▁and ▁there ▁is ▁no ▁mention ▁of ▁units ▁then ▁it ▁is ▁probably ▁a ▁conventional ▁With ▁Prof its ▁end ow ment ▁policy . ▁The ▁other ▁types ▁of ▁policies ▁- ▁“ Unit ▁Linked ” ▁and ▁“ Unit ised ▁With ▁Prof its ” ▁have ▁a ▁performance ▁factor ▁which ▁is ▁dependent ▁directly ▁on ▁current ▁invest ment ▁market ▁conditions . ▁These ▁are ▁not ▁usually ▁trad able ▁as ▁the ▁guarante es ▁on ▁the ▁policy ▁are ▁often ▁much ▁lower , ▁and ▁the ▁disc ount ▁between ▁the ▁surrender ▁value ▁and ▁As set ▁Share ▁( the ▁true ▁underlying ▁value ) ▁is ▁nar ro wer . ▁ ▁In ▁late ▁the ▁ 2 0 1 0 s , ▁f ident ia X , ▁a ▁Fin T ech ▁company ▁from ▁Singapore , ▁made ▁the ▁first ▁attempt ▁to ▁build ▁a ▁block chain - based ▁trad ing ▁platform ▁for ▁T EP s . ▁The ▁platform ▁is ▁scheduled ▁to ▁launch ▁in ▁the ▁early ▁ 2 0 2 0 s . ▁ ▁Mod ified ▁end ow ments ▁( U . S .) ▁Mod ified ▁end ow ments ▁were ▁created ▁in ▁the ▁Techn ical ▁Cor re ctions ▁Act ▁of ▁ 1 9 8 8 ▁( Text ▁of ▁H . R . ▁ 4 3 3 3 ▁( 1 0 0 th ): ▁Techn ical ▁and ▁Mis cell aneous ▁Re venue ▁Act ▁of ▁ 1 9 8 8 ) ▁( H . R ▁ 4 3 3 3 , ▁S . ▁ 2 2 3 8 ) ▁in ▁response ▁to