* The revised premium quoted under FlexiPay is based on a guaranteed interest rate of 2.6% per annum. As and when the plan's original premiums are due, the FlexiPay premiums collected including any accumulated interest will be deducted to pay for the plan. Any premium not deducted will accumulate at a guaranteed interest rate of 2.6% per annum. An early withdrawal of FlexiPay usually involves high costs and the FlexiPay surrender value payable may be less than the total FlexiPay premiums paid. Any withdrawal of FlexiPay will result in the interest earned to be less than 2.6% per annum. The illustration is based on the assumption that premiums for FlexiPay are paid promptly. Any late payment on FlexiPay may render the interest credited under FlexiPay insufficient to pay for future premiums on the original plan.

^# The monthly premium quoted is based on a non-smoking male 30 years of age who makes payment throughout the whole policy term. The figures are for illustration purposes only. Insurance eligibility and premiums are subject to underwriting.

⁺ The projected cash value (surrender value) is the amount that will be paid if the policy is cashed in (surrendered). The cash value and rate of return depends on the investment amount, the investment period, the performance of the underlying investment and the investor's age. The above projected cash value and rate of return are based on a projected rate of return of the underlying investment of 5.25% per annum, which is not guaranteed. The actual rate and the benefits payable may vary depending on the performance of the underlying investment.

^{^} Payment term can range from one year to 15 years if FlexiPay is opted for. The monthly premium of S$200 for an initial sum assured of S$94,116 would be revised to S$432.60 if the eight-year payment term is opted for.

Important notes
HSBC's LifeProtector is underwritten by HSBC Insurance (Singapore) Pte. Limited, 10 Eunos Road 8, #11-01 Singapore Post Centre, Singapore 408600. Company registration no. 195400150N.

This webpage contains only general information, it does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. A person interested in this product should read and consider the Product Summary and Benefit Illustration in deciding whether to buy this product. You can ask for the Product Summary from our authorised agents or distributors, including The Hongkong and Shanghai Banking Corporation Limited.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually incurs high cost and the surrender value payable may be less than the total premiums paid.

HSBC Insurance (Singapore) Pte. Limited's authorised agents and distributors, including The Hongkong and Shanghai Banking Corporation Limited (together "the Agents") are neither underwriter nor broker for the customer. To the fullest extent permissible pursuant to applicable law, the Agents make no warranties or representation as to the accuracy, correctness, reliability or otherwise of the content of this marketing materials. Under no circumstances, including, but not limited to negligence, shall the Agents or any party involved in creating, producing or delivering the marketing material to be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the liability to use, the information in this web site, even if the Agents have been advised of the possibility of such damages.

The Agents and/or their employees will receive a commission from HSBC Insurance (Singapore) Pte. Limited in respect of this transaction. The Agents are not suppliers of the products and services and will not accept liability in relation hereto.

Issued by HSBC Insurance (Singapore) Pte. Limited.