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Stretch your protection, not your budget


Greater peace of mind shouldn't come at a price you'd lose sleep over. Give your loved ones the reassurance with ValueTerm, an affordable and flexible life insurance plan that provides comprehensive coverage against death and total and permanent disability.


  • Affordable protection

    Enjoy life insurance coverage up to 90 years of age and secure the financial future of your loved ones if something unforeseen happens to you. This peace of mind is yours to enjoy at an affordable amount. 


    Insurance coverage is available for a term of 10 to 30 years or until age 55, 60, 65, 70, 75, 80, 85 or 90. You can choose the term of your insurance cover according to your needs.

  • Disability coverage
    Total and permanent disability coverage before you turn 65 years of age to help pay for medical and rehabilitation treatments.
  • Level premiums
    Be assured that as you grow older and the need for life insurance coverage grows, the premium amount on your ValueTerm plan stays the same as the day that you start to pay your first premium - guaranteed.
  • Flexibility to enhance your coverage
    ValueTerm gives you the option to add a critical illness rider, in which the benefit accelerates the Sum Assured of the Policy upon diagnosis of one of the 37 covered critical illnesses, the accelerated portion of the basic sum insured is paid in one lump sum. Thereby helping to focus on recovery without having to worry about medical costs, incomes loss or other expenses.

How it works

Profile Coverage requirements ValueTerm premium
45 year-old age next birthday, male, and non-smoker Sum assured of $1,000,000 up to age 65 Annually: SGD2,650 or daily: SGD3
35 year-old next birthday, female, and non-smoker Sum assured of $1,000,000 up to age 65 Annually SGD1,120 or daily: SGD3

How it works

Profile 45 year-old age next birthday, male, and non-smoker
Coverage requirements Sum assured of $1,000,000 up to age 65
ValueTerm premium Annually: SGD2,650 or daily: SGD3
Profile 35 year-old next birthday, female, and non-smoker
Coverage requirements Sum assured of $1,000,000 up to age 65
ValueTerm premium Annually SGD1,120 or daily: SGD3

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) 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 cost and the surrender value, if any, that is payable to you may be zero.

More information


ValueTerm is underwritten by HSBC Insurance (Singapore) Pte. Limited (Reg. No. 195400150N), and distributed by HSBC Bank (Singapore) Limited ("HSBC"). It is not an obligation of, a deposit in, or guaranteed by, HSBC.

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. It does not constitute an offer to buy or sell an insurance product or service. A copy of the Product Summary is available and can be obtained from HSBC. A person interested in this product should read the relevant product summary for details and seek advice from your Relationship Manager before deciding whether to buy this product. 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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