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HSBC Life Term Protector / HSBC Life Term Protector Prime

A term life insurance plan that offers the flexibility to choose payment and policy terms, and covers you against death or terminal illness so your loved ones will be taken care of.

Secure your family's future

HSBC Life Term Protector / HSBC Life Term Protector Prime safeguards the things that matter – you, your loved ones, and your business. It's a simple solution designed to keep up with your changing lifestyle and financial circumstances. This way, you can protect your family's future, even if the unexpected happens to you.

Key benefits

Your policy, your choice

You can choose how long you'll be covered for, how long your policy will be renewed for, and your preferred payment options.

Hassle-free guaranteed renewals

Your policy will be renewed automatically at the end of the policy term, without the need for medical check-ups or complicated underwriting[@term-protector-renewal].

Protection against inflation

Our indexation option[@indexation] ensures that the protection you've put in place for your loved ones will not be affected by rising costs in the future.

Additional features

  • Convert your policy at any time
    You can convert[@convert-plan] your term life plan to another insurance plan to suit your changing needs.
  • Choose a currency
    The choice is yours between SGD or USD, to be the currency which you pay and be protected in.

Enjoy stackable rewards and protect yourself and your loved ones from as low as SGD0.55 a day[@life-stackable-rewards-sgd-0-point-55-daily-premium]

Purchase any eligible HSBC Life Term plans and riders by 30 June 2025 to enjoy these stackable offers!
 

1. Enjoy up to 35% perpetual discount on eligible Term plans and riders[@life-35-percent-term-perpetual-campaign-discount]! T&Cs apply.
 

2. Celebrate SG60 with us! Be rewarded with up to 5.60%[@life-investment-protection-plans-stackable-rewards] cashback on your first year premium paid. Qualifying new customers receive a limited edition HSBC Life gold bar weighing up to 5g[@life-gold-bar-5g-value] or a cash gift of up to S$600! T&Cs apply.

Riders you can add to your policy

You can enhance your HSBC Life Term Protector / HSBC Life Term Protector Prime policy further with these riders.

Critical illness protection riders 

Premium waiver riders 

Disability protection riders 

Survival benefit rider 

How does HSBC Life Term Protector / HSBC Life Term Protector Prime work?

Benny is a 30-year old non-smoker. He opts for our Term Protector policy with a term-to-age of 99 and a basic sum assured of SGD1 million. He also adds on an Advance Total and Permanent Disability Payout II rider that covers to age 99, with a sum assured of SGD1 million, an Early Critical Illness Payout II rider with a sum assured of SGD500,000, and a Premium Waiver (ECIUN) rider. He'll pay a monthly premium[@if-claim-premium-reduce] of SGD651.37 until he reaches age 99.

Open the accordions to see how we'll support him at every stage under his policy.

Age 45: was involuntarily retrenched and loses his income[@loss-of-income] 

Age 55: diagnosed with early stage cancer 

Age 65: diagnosed with advanced stage stroke 

Age 70: diagnosed with total and permanent disability 

Are you eligible?

The entry age depends on which plan you want to apply for.

For HSBC Life Term Protector, the entry age is between 1 month[@age-attained] and 70[@age-nearest] years.

For HSBC Life Term Protector Prime, the entry age is between 16[@age-attained] and 70[@age-nearest] years.

Summary of options 

Apply now

Leave us your details

We'll call you back shortly to discuss the next steps.

Other ways to apply 

Manage your policy on the go

Scan the QR code to download HSBC Life SG mobile app

Download the HSBC Life SG mobile app

See your policy details and manage your HSBC Life policies with just a few taps any time, wherever you are.

You may also be interested in

A whole life insurance plan with multiplied coverage, a payout option and optional riders to enhance your critical illness protection.
A flexible life insurance plan offering affordable protection and limited payment options that come with a surrender value when the policy is no longer needed.
An affordable term life insurance plan that lets you choose the terms you want, based on your family's needs.

Notes

    Important notes 

    Term Protector and Term Protector Prime are underwritten by HSBC Life (Singapore) Pte. Ltd. (Registration number 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 Planner before making a commitment to purchase the product. In the event that you choose not to seek advice from a Financial Planner, you should consider whether the product in question is suitable for you. Please refer to the general provisions for the exact terms and conditions, specific details and exclusion of this product. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually incurs high cost and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. 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.

    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 Singapore (LIA) or Singapore Deposit Insurance Corporation (SDIC) websites: www.lia.org.sg or www.sdic.org.sg.

    This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at 1 February 2025.

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