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HSBC Life – Life Treasure (II)

A customisable whole life insurance plan that offers you the option to multiply your sum assured and enhance your critical illness coverage.

Comprehensive protection for your whole life

HSBC Life – Life Treasure (II) offers a flexible plan that protects and grows with you and your family. It can be tailored to fill in the gaps as your responsibilities change throughout different life stages. You can opt to multiply your sum assured and enhance your critical illness coverage so you're always covered.

Key benefits

Flexible payment options

Choose to pay your premiums over a period that suits your needs and budget: 10, 15, 20, 25 or 30 years.

Covered in the event of disability

Receive an advanced disability payout in the event you're unable to carry out 2 of the covered 6 activities of daily living[@daily-living].

Added coverage without underwriting

You can boost your coverage further by purchasing selected HSBC Life plans as needed during significant life events, no underwriting needed.

Additional covers you can opt for

  • Level up your coverage
    Add a multiplier benefit rider to multiply your basic sum assured by 2–5 times, with a multiplier coverage term up to age 80[@life-treasure-multiplier].
  • Protect against critical illnesses
    Maximise your coverage with the Critical Illness Benefit (II) and Critical Illness Plus riders, which give you more comprehensive protection against critical illnesses.
  • Get a waiver in times of need
    Enjoy continued protection without disruption – choose from an array of riders to waive future premiums in the event of unfortunate circumstances.
  • Safeguard against accidental death
    Get up to 10 times your sum assured with the Accidental Death Benefit rider in the event of accidental death[@accidental-death-multiplier].
  • Enhance your critical illness protection
    Choose our Early Critical Illness Benefit (II) rider for enhanced coverage from early to advanced stage critical illnesses, and additional payouts for covered conditions and diagnoses.

How does HSBC Life – Life Treasure (II) work?

Winston is a 30-year old man. He opts for our HSBC Life – Life Treasure (II) policy with a sum assured of SGD75,000. He also adds on:

  • A basic plan multiplier benefit rider (4 times, covered until age 80) of SGD300,000
  • An Early Critical Illness Benefit (II) rider with a sum assured of SGD50,000, and a multiplier benefit of SGD200,000
  • Accidental Death Benefit rider with a sum assured of SGD300,000

He'll pay a monthly premium of SGD345.68 for his chosen premium term of 25 years.

Open the accordions to see how we'll support him at every stage under his policy.

Are you eligible?

The entry age is:

  • 1 month[@age-attained] to 65[@age-nearest] years, for the insured person
  • 18[@age-attained] to 99[@age-nearest] years, for the policyholder

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

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    HSBC Life – Life Treasure (II) 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 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 policy 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. 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. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

    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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