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DIRECT – HSBC Life – Term Lite

An affordable term life insurance plan that lets you choose the terms you want, based on your family's needs.

Your first step to a secure future

DIRECT – HSBC Life – Term Lite is a practical and affordable term life plan that you can purchase directly from HSBC Life. With flexible coverage and payment terms, you'll always be prepared for whatever life throws your way. Plus, you'll be protected with benefits payable upon death, terminal illness or total and permanent disability.

Key benefits

Your policy on your terms

Select a renewable[@direct-renewable] term of 5 years, or a non-renewable term of 20 years or up to age 65; and a sum assured between SGD50,000 and SGD400,000.

Death and terminal illness coverage

You'll get a payout in advance in the event of terminal illness.

Uninterrupted protection

If you opt for a 5-year renewable policy, it will be renewed automatically every 5 years regardless of your health condition.

Safeguarded against the unforeseen

Receive an advance lump sum payout to cover your daily living expenses if you suffer total and permanent disability[@direct-disability].Footnote link 2Receive an advance lump sum payout to cover your daily living expenses if you suffer total and permanent disability[@direct-disability].

An additional cover you can opt for

  • Protect against critical illnesses
    Enhance your plan with our optional DIRECT – HSBC Life – Termcare rider[@termcare-rider], which covers you for major critical illnesses such as cancers, heart diseases and stroke.

How does DIRECT – HSBC Life – Term Lite work?

Mary is a 35-year old non-smoker. She opts for our DIRECT – HSBC Life – Term Lite policy, with a term of up to age 65 and a sum assured of SGD300,000. She adds on our DIRECT – HSBC Life – Termcare rider[@termcare-rider]. She'll pay an annual premium of SGD785.40.

Open the accordions to see how we'll support her when she needs it most under her policy.

Are you eligible?

The entry age depends on the policy term you choose.

  • Policy term of 5 years (renewable)[@direct-renewable]: 18[@age-attained] to 65[@age-nearest] years
  • Policy term of 20 years (non-renewable): 18[@age-attained] to 65[@age-nearest] years
  • Policy term to age 65: 18[@age-attained] to 60[@age-nearest] years

Apply now

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Get in touch with us

You can also email us at

Alternatively, you can give us a call at your convenience.

Local hotline

+65 6880 4888

Lines are open 9am to 5pm, Mondays to Fridays (except on public holidays).

Manage your policy on the go

Scan the QR code to download HSBC Life SG mobile app

Download the HSBC Life SG mobile app

See your policy details and manage your HSBC Life policies with just a few taps any time, wherever you are.

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A flexible life insurance plan offering affordable protection and limited payment options that come with a surrender value when the policy is no longer needed.


    DIRECT – HSBC Life – Term Lite is underwritten by HSBC Life (Singapore) Pte. Ltd. (Registration number 199903512M).

    This webpage contains only general information and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. This is not a contract of insurance and is not intended as an offer or recommendation to buy the product. A copy of the product summary may be obtained from our authorised product distributors. You should read the product summary before deciding whether to purchase the product. You may wish to seek advice from a Financial Planner before making a commitment to purchase the product. In the event that you choose not to seek advice from a Financial Planner, you should consider whether the product in question is suitable for you. Please refer to the general provisions for the exact terms and conditions, specific details and exclusion of this product. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually incurs high cost and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. It is also detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost.

    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 Life Insurance Association Singapore (LIA) or Singapore Deposit Insurance Corporation (SDIC) websites: or

    This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at 25 March 2024.

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