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Life Protect Advantage II

Realising your promises together for life.

Realising your promises with Life Protect Advantage II

A simple participating whole life plan, HSBC Life Protect Advantage II is designed to help you keep your promises to your family despite life's unexpected changes.


It offers flexibility to enhance your coverage with exclusive riders throughout the policy term, and also to accumulate policy cash value with guaranteed and non-guaranteed bonuses, which may be declared from time to time.

Key Features

  • Basic Coverage

    Death and Terminal Illness up to age 99.

    Total and Permanent Disability up to age 70.

  • Flexible Premium Term

    Choose from 10, 15, 20 or 25 years.

  • Life Advantage Multiplier II

    Boost coverage by up to 5x the sum insured until age 70.

Unique Benefits

  Enjoy greater coverage with these one-of-a-kind benefits:

A father embracing crying son.

Guaranteed Family Waiver

Dealing with the death of a family member is stressful. During these times, the least we can do is to reduce your financial burden. Guaranteed Family Waiver is a unique feature in the market that promises that all your future premiums will be waived after the unexpected loss of your spouse or parent1.

Family celebrating senior man's birthday.

Life Extender Multiplier

The economy can be unpredictable due to market volatility. Life Extender Multiplier ensures that you are well covered until the end of your policy term, by giving you the flexibility to keep your multiplier up to age 99. You can opt for this option every 5th policy anniversary or during specific life stages before age 60. Fund it with additional premiums or request a policy loan.

Couple on the sofa watching  movie.

Guaranteed Insurability Option

As you journey through different life stages, your needs evolve. With Guaranteed Insurability Option, you are eligible to buy any life insurance plan2 offered by us, without having to undergo any medical underwriting.

Enhance your protection with optional riders

  • Early Critical Protect Advantage II

    Covers early, intermediate and advanced stages of critical illnesses.

  • Critical Protect Advantage II

    Covers advanced stage of critical illnesses.

  • Critical Wavier Protect Advantage II

    Waives future premiums upon diagnosis of advanced stage of critical illnesses.

Get in touch

To know more about HSBC Life Protect Advantage II and the riders available, you can speak to any of our authorised distributors listed below:

Availlis Financial logo.

Avallis Financial Pte Ltd

Call  : (65) 62205333
Visit :

Financial Alliance logo.

Financial Alliance Pte Ltd

Call  : (65) 62221889
Visit :

Finexis logo.

Finexis Advisory Pte. Ltd

Call : (65) 6341 5300
Visit :

Gen Financial Advisory logo.

GEN Financial Advisory Pte Ltd

Call : (65) 6589 8388
Visit :

Infinitum logo

Infinitum Financial Advisory Pte. Ltd

Call  : (65) 6681 5785
Visit :

IPP Financial Advisers logo.

IPP Financial Advisers Pte Ltd

Call  : (65) 65118800
Visit :



Call  : (65) 6622 7741
Visit :

PFP logo


Call  : (65) 6470 9393
Visit :

Phillip Securities logo

Phillip Securities Pte Ltd

Call  : (65) 6531 1555
Visit :

PIAS logo.

Professional Investment Advisory Services Pte Ltd

Call  : (65) 63725700
Visit :

Promise Land logo.

Promiseland Independent Pte Ltd

Call  : (65) 65054100
Visit :

SG Alliance logo

SG Alliance Pte Ltd

Call  : (65) 6866 3113
Visit :

Synergy Financial Advisers logo.

Synergy Financial Advisers Pte Ltd

Call  : (65) 66541888
Visit :

For all policy servicing related enquiries, please call (65) 6225 6111.

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 costs 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.

More Information

1In the case of a juvenile policy owned by the Life Insured's parent, the Family Waiver will cover the life of the parent.

2You can buy term/whole life/endowment policy that is available at the point of time. Please refer to the policy documents for the full terms and conditions applicable to this feature.



HSBC Life Protect Advantage II is underwritten by HSBC Insurance (Singapore) Pte. Limited (Reg. No. 195400150N).


This webpage contains general information only 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 28 June 2021.
This advertisement has not been reviewed by the Monetary Authority of Singapore.

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