HSBC Life Term Protect Secure

A term insurance plan offering comprehensive coverage and financial flexibility to keep pace with your changing needs as life evolves.

Protect your family today for a confident tomorrow

As your life moves forward, so do your responsibilities. From growing your wealth and supporting your family to preparing for life's milestones, your protection needs to keep pace with you.

HSBC Life Term Protect Secure is designed to give you the flexibility to adapt to changing needs — so you can protect what matters most today and look ahead with confidence.

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Choose from a range of coverage terms[@agee-coverage-term] up to age 100 that match your goals.

Adjust coverage with FlexiMilestone Benefit[@flexmilestone-benefit] and receive a cash payout up to 50% of your basic plan[@basic-coverage-sum] premiums paid.

Add optional riders to enhance protection, covering up to 170 critical illness conditions.

Additional benefits

Boost protection for key milestones

You can increase coverage at major life-stage events[@life-stage-event] without further health assessments.
Apply with ease

Enjoy a simplified application for coverage below SGD500,000 by answering a short set of health questions.

Convert your policy at any time

You can convert your policy and eligible riders to another insurance plan without further health assessments.[@convert-plan-new]

Optional riders you can add to your policy

You can enhance your protection with these optional riders.

Get financial support for critical illness or disability, so you can focus on recovery.

Advance Early Critical Illness Payout III: receive a payout[@advance-payout-upon-diagnosis] as an advancement of the death benefit upon diagnosis of up to 170 medical conditions across early, intermediate and advanced stages, including additonal payout[@additonal-payout-for-selected-conditions] for selected special and juvenile conditions.

Advance Critical Illness Payout II: receive a payout[@advance-payout-upon-diagnosis] as an advancement of the death benefit upon diagnosis of advanced stage critical illness.

Super CritiCare: receive multiple payouts[@applicable-payout-limit] of up to 600% of the sum assured, including for recurring illnesses and selected special and juvenile conditions, plus a complimentary Diabetes Care Programme[@diabetes-care-renewal].

Advance Total and Permanent Disability Payout III: receive a payout as an advancement of the death benefit upon diagnosis of total and permanent disability.

Celebrate longevity with a guaranteed payout at age 100

Guaranteed Survival Payout II: receive a guaranteed payout equal to your prevailing sum assured if you outlive the policy term. Available exclusively with term-to-age 100 coverage, with no health assessment required.

Stay protected, even when you're unable to pay premiums

Premium Waiver II (ECIUN): get a waiver[@premium-waiver-rider-ii-eciun] on future premiums if you are the life insured and unable to pay due to a critical illness diagnosis at any stage or involuntary loss of income.

Payer PremiumEraser II (DTPDECIUN): get a waiver[@payer-premiumeraser-ii-dtpdeciun] on future premiums if you are paying for your loved ones and are unable to continue due to a critical illness diagnosis, total and permanent disability, involuntary loss of income, or death.

Are you eligible?

The entry age is

• 1 month[@age-attained] to 70[@age-nearest] for life insured

• 18 years[@age-attained] to 99[@age-nearest] years for policy owner

Coverage: You can choose your coverage term to age 50, 55, 60, 65, 70, 75, 80, 85 or 100.

Premium frequency: you can choose to pay your premiums monthly, quarterly, semi-annually or annually.

The minimum sum assured for this policy is SGD100,000.

HSBC Life Term Protect Secure brochure (PDF, 3.36MB) Download link

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Leave us your details

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Request a callback

Get in touch with us

You can also email us at cc.life@mail.life.hsbc.com.sg.

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).

You can set up an appointment to visit us in person by calling us on +65 6880 4888.

Our office is located at 38 Beach Road, #03-11, South Beach Tower, Singapore 189767.

Manage your policy on the go

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.

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

A whole life insurance plan with multiplied coverage, a payout option and optional riders to enhance your critical illness protection.

Notes

HSBC Life Term Protect Secure 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 Advisers Representative before making a commitment to purchase the product. In the event that you choose not to seek advice from a Financial Advisers Representative, 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: www.lia.org.sgor www.sdic.org.sg.

This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at 7 September 2026.

HSBC Life Term Protect Secure

Protect your family today for a confident tomorrow

Key benefits

Stay protected for as long as you need

Flexibility to adjust protection as needs evolve

Comprehensive critical illness coverage

Additional benefits

Optional riders you can add to your policy

Critical illness and disability protection riders

Survival benefit rider

Premium waiver riders

Are you eligible?

Summary of options

Product brochure and documents

Apply now

Leave us your details

Get in touch with us

Local hotline

Other ways to apply

Manage your policy on the go

Download the HSBC Life SG mobile app

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Notes

Important notes

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