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DIRECT - LifeProtector II

Protect your loved ones and provide for their future.

DIRECT - LifeProtector II

While we want the best for our loved ones, sometimes life can present uncertainties, which may leave your loved ones in distress if you are not prepared for the unexpected. DIRECT - LifeProtector II will protect you against these uncertainties by giving you and your family a financial salary net in times of need.

Benefits of DIRECT - LifeProtector II

Your benefits at a glance:

  • Lifetime protection up to age 99 against unforeseen circumstances
    The plan provides financial protection for you and your loved ones against untimely death, terminal illness (up to age 99) and total permanent disability1 (up to age 65).
  • Increased life cover with an added financial benefit
    Coverage2 against death, terminal illness and total permanent disability is increased with the non-guaranteed (reversionary and terminal) bonuses3 being added to the sum insured, thereby ensuring your family's future is financially protected against the unexpected. The policy also acquires cash value from the end of the first policy year onwards.
  • Enhance your protection cover
    Include the optional benefit, DIRECT - Critical Illness Benefit II4 to enhance your protection cover and peace of mind.
  • Flexible premium payment options
    Choose your premium payment term to age 70 or 85 to suit your commitment level.

Get in touch

Call us on (65) 6880 4888 or visit us at our Customer Service Centre located at 38 Beach Road #03-11, South Beach Tower Singapore 189767.

What else should I know?

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

More information

The policyowner has to be life insured and not a third party (e.g. parent or spouse).

1The Total and Permanent Disability Benefit payable on all policies issued by HSBC Life (Singapore) Pte. Ltd. and other insurance companies for a Life Insured is capped at an aggregate of S$3,000,000 per life.

2The maximum sum insured that HSBC Life (Singapore) Pte. Ltd. can issue in respect of the same Life Insured for Direct Purchase Insurance products (DIRECT - ValueTerm and DIRECT - LifeProtector II) is capped at S$400,000, with a sub-limit of S$200,000 cap for DIRECT - LifeProtector II.

3The reversionary and terminal bonuses are not guaranteed. With regard to the reversionary bonus, once declared it forms part of the guaranteed benefits of your policy.

4The DIRECT - Critical Illness Benefit II payable on all policies issued by HSBC Life (Singapore) Pte. Ltd. and other insurance companies for a Life Insured is capped at an aggregate of S$2,000,000 per life.


DIRECT - LifeProtector II is underwritten by HSBC Life (Singapore) Pte. Ltd. (Reg. No.199903512M). 

This webpage contains only general information and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. It does not constitute an offer to buy or sell an insurance product or service. Copies of the product summary in relation to the product offered is available and can be obtained from our customer service centre. A person interested in this product should read the product summary for details before deciding whether to buy this product as this product is sold online without any advice. Please also refer to the exact terms and conditions, specific details and exclusions applicable in the policy document.

Policy Owners' Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the LIA or SDIC websites ( or 


Information is correct as at 1 February 2024.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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