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DIRECT - LifeProtector

Protect your loved ones, provide for their future

DIRECT - LifeProtector

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 will protect you against these uncertainties by giving you and your family a financial safety net in times of need.

Benefits of DIRECT - LifeProtector

Your benefits at a glance:

  • Lifetime protection up to age 99 against unforeseen circumstances

    The plan provides financial protection for you and your loved ones against untimely death, terminal illness (up to age 99) and total permanent disability1 (up to age 65).

  • Increased life cover with an added financial benefit

    Coverage2 against death, terminal illness and total permanent disability is increased with the non-guaranteed (reversionary and terminal) bonuses3 being added to the sum insured, thereby ensuring your family's future is financially protected against the unexpected. The policy also acquires cash value from the end of the first policy year onwards.

  • Enhance your protection cover

    Include the optional benefit, DIRECT Critical Illness benefit4 to enhance your protection cover and peace of mind.

  • Flexible premium payment options

    Choose your premium payment term to age 70 or 85 to suit your commitment level.

Get in touch

Call us on (65) 62256111 or visit us at our Customer Service Centre located at 9 Battery Road, #12-01 MYP Centre, Singapore 049910.

What else should I know?

Buying a life insurance policy is a long term commitment. An early termination of the policy usually incurs a high cost and the surrender value payable may be less than the total premiums paid.

More information

The policyowner has to be life insured and not a third party (e.g. parent or spouse).

1The Total and Permanent Disability Benefit payable on all policies issued by HSBC Insurance (Singapore) Pte. Limited and other insurance companies for a Life Insured is capped at an aggregate of S$3,000,000 per life.

2The maximum sum insured that HSBC Insurance (Singapore) Pte. Limited can issue in respect of the same Life Insured for Direct Purchase Insurance products (DIRECT - ValueTerm and DIRECT - LifeProtector) is capped at S$400,000, with a sub-limit of S$200,000 cap for DIRECT - LifeProtector.

3The reversionary and terminal bonuses are not guaranteed. With regard to the reversionary bonus, once declared it forms part of the guaranteed benefits of your policy.

4The DIRECT - Critical illness benefit payable on all policies issued by HSBC Insurance (Singapore) Pte. Limited and other insurance companies for a Life Insured is capped at an aggregate of S$2,000,000 per life.


DIRECT- LifeProtector is underwritten by HSBC Insurance (Singapore) Pte. Limited (Reg. No. 195400150N).

This webpage contains only general information and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. It does not constitute an offer to buy or sell an insurance product or service. Copies of the product summary in relation to the product offered is available and can be obtained from our customer service centre. A person interested in this product should read the product summary for details before deciding whether to buy this product as this product is sold online without any advice. Please also refer to the exact terms and conditions, specific details and exclusions applicable in the policy document.

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 Life Insurance Association (LIA) or SDIC websites ( or 


Information is correct as at 1 June 2020.
This material is issued by HSBC Insurance (Singapore) Pte. Limited.
This advertisement has not been reviewed by the Monetary Authority of Singapore.

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