Top of main content
Woman in sunglasses rides bicycle with child in a helmet; image used for HSBC Protection


A range of plans to protect you and your family

Term Protect Advantage

A new normal is upon us, and with it comes the uncertainty of what the future holds for you, and your family. To face this uncertainty, we must adapt.
  • Affordable Protection Coverage
  • Flexible Premium and Policy Term
  • Guaranteed Surrender Value
  • Boost Your Coverage with Guaranteed Insurability Option (GIO)
  • Convertibility Benefit
  • Unemployment Support Benefit

Keep your promises strong.

Online Protector

Term life insurance shouldn't be hard to understand. That's why we created a fuss-free insurance plan that helps take care of your loved ones and secure their future goals - in the event you're unable to.
  • Protection cover up to S$1,000,000
  • Protection period 10 years, guaranteed renewable up to age*
  • Add-on HSBC Insurance Online Critical Illness Rider

  • Premium discounts - Stand to enjoy discounted premiums by answering 4 lifestyle questions
*Age refers to age next birthday and denotes the insured's age at a particular time with the addition of 1 year.

Peace of mind is just a click away.


Early Critical Care

If critical illness is detected, it is important that you are able to focus on recovery, without worrying about medical costs, income losses and other costs that may need to be catered for such as alternative medication, domestic help and physiotherapy costs.
  • Covers 102 conditions - enjoy comprehensive coverage against a wide range of illnesses
  • Provides 100% payout even for early stage critical illness
  • Covering illnesses not commonly insured in Singapore
  • Affordable premiums and comprehensive coverage

Are you prepared? - If not... it's never too late.


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.
  • Guaranteed lifetime protection with a limited premium paying term
  • Guaranteed refund of premiums
  • Guaranteed maturity benefit
  • Enjoy potential cost savings as your responsibilities in life evolve

Enjoy both coverage flexibility and protection cover.


Owning your home gives you a sense of pride, and to your family - a sense of security. Therefore it is important that you safeguard your home and family against the unexpected, so that they will not be burdened with mortgage repayments or face the possibility of losing it.
  • MortgageProtector is a reducing term insurance policy that provides financial protection against death and total and permanent disability for a specific period
  • Life insurance protection up to age 70
  • Total and permanent disability coverage up to age 65 or expiry of the policy
  • A wide range of terms available from 10 to 40 years, and interest rate from 1% to 10% to match your mortgage plan.

Safeguard your home and family against the unexpected.

DIRECT - ValueTerm

A good family protection plan needs to be flexible enough to meet your evolving needs and enable you to continue fulfilling your aspirations without worry. DIRECT - ValueTerm gives you the flexibility to plan while ensuring your budget isn't stretched.
  • Flexibility to protect your lifestyle needs
  • Affordable protection for you and your loved ones
  • Level premiums - your ValueTerm plan premium remains the same as the day that you first pay it - guaranteed.
  • Ability to enhance your protection cover

Protect your loved ones, 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.
  • Flexible premium payment options
  • Increased life cover with an added financial benefit
  • Flexible premium payment options

Giving you and your family a financial safety net in times of need.