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A woman runs after a man; image used for HSBC ValueLife Insurance.


Premiums for the first 15 years. Protection for a lifetime


At HSBC Insurance, we understand you want the assurance of lifetime protection, without the burden of paying premiums in your golden years. Which is why we have designed ValueLife to offer you the freedom to live life to the fullest. It's a smarter way to invest in what matters most - your future.


Enjoy both coverage flexibility and protection cover with ValueLife, which offers you maximum protection during your prime years so you can be assured of your loved ones' financial security. You only need to pay premiums for the first 15 years to enjoy insurance coverage up to the age next birthday (ANB) 99.

  • Guaranteed lifetime protection with a limited premium paying term
    ValueLife is designed with your future in mind. Pay regular premiums for only the first 15 years and be insured against Death and Terminal Illness up to ANB 99, and Total and Permanent Disability up to ANB 65.
  • Guaranteed refund of premiums
    With ValueLife, you'll receive 100% of the total premiums paid at the end of your policy in year 15, if there is no medical loading and you have decided to surrender your policy. However we recommend that you seek professional advice from your financial advisor before making a decision of surrendering your policy.
  • Guaranteed maturity benefit
    If no claims have been made up to ANB 99, the reduced Sum Insured, i.e. 70% of the basic Sum Insured will be paid out in one lump sum as the maturity benefit.
  • Enjoy potential cost savings as your responsibilities in life evolve
    When it comes to your later stages in life, most of your life and financial goals would have been achieved. Unlike typical whole-of-life plans available elsewhere, ValueLife lets you reduce your coverage, at either ANB 65 or 80.

Note: All the guranteed benefits are subject to deductions of any sum due and owed to us.

Get in touch

Call us on 1800-4722-669 or find your nearest branch to apply in person.

For all policy servicing related enquiries, please call (65) 6880 4888.

What else should I know?

As buying a life insurance policy is a long term commitment, an early termination of the policy usually involves high cost and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.

More information


ValueLife 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 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 adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Please refer to the policy contract for the exact terms and conditions, specific details and exclusion of this product.

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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