Choose your coverage term

Term-to-age: Choose to be covered up to age 50, 55, 60, 65, 70, 75 or 99

Renewable Term: Choose to be covered for a period of 5, 10, 15, 20, 25, or 30 years

Flexibility of payment options

Term-to-age: Choose to pay 15, 20 years or for as long as your protection lasts

Renewable Term: Choose to pay for as long as your protection lasts. Single Premium is only available for a coverage period of 5, 10 or 15 years

Enjoy Hassle-free Guaranteed Renewals

Automatic policy renewal at the end of the policy term without medical check-ups or complicated underwriting

Guard Your Loved Ones From Inflation

Indexation Option1 ensures that the protection you have put in place will not be affected by rising costs in the future

Convert Your Policy Anytime

Convert2 your term plan to another insurance plan that is best for your changing needs over the years

Choose The Currency of Your Protection

To find out more, please refer to our brochure.

A protection solution that can keep up with your changing lifestyle and financial circumstances, allowing you to protect your family’s future should something unforeseen happen to you.

Term Protector / Term Protector Prime is a simple solution that protects your greatest assets – you, your loved ones, and your business.

Key Features

Features

Term Protector: 1 month to 70 years old3

Term Protector Prime: 16 to 70 years old3

Eligibility and Options

Attach eligible riders to your basic plan and enjoy 40% perpetual discount on regular premiums of basic plans and eligible riders!

Promotions

In the event of early to advanced stage critical illness diagnosis (including selected Special conditions and Juvenile conditions(4)), you will get your payment in advance to help you through this difficult time. Only available for Regular Pay.

Early Critical Illness Payout

In the event of early to advanced stage critical illness diagnosis (including selected Special conditions and Juvenile conditions4), you will get your payment in advance to help you through this difficult time. Only available for Regular Pay.

Add-Ons to Consider

Add-Ons

In the event of a critical illness diagnosis, you will get your payment in advance to help you through this difficult time.

Advance Critical Illness Payout

In the event of total and permanent disability, you will get your payment in advance to support you and your family.

Advance Total and Permanent Disability Payout

In the event of total and permanent disability, we will continue supporting you with an annual cash benefit.

Disability Cash Benefit

In the event of a critical illness diagnosis, you will receive a lump sum payment without affecting the other benefits of your main plan.

Critical Illness Plus Benefit

In the event of injuries or death due to an accident, you will receive a payment without affecting the other benefits of your main plan.

Personal Accident Benefit

In the event that you outlive the term of the policy, you will get reimbursed with the prevailing Sum Assured. No medical underwriting is required for this rider, and issuance of this rider is guaranteed. Only available for term-to-age 99.

Guaranteed Survival Payout

In the event of a critical illness diagnosis, your future premiums will be waived.

Critical Illness PremiumEraser

In the event of early to advanced stage critical illness diagnosis, your future premiums will be waived. In addition, in the event of involuntary loss of income(5), your premiums for the next 6 months will be waived.

Premium Waiver

In the event of early to advanced stage critical illness diagnosis, your future premiums will be waived. In addition, in the event of involuntary loss of income5, your premiums for the next 6 months will be waived.

In the event of total and permanent disability, critical illness from early to advanced stage, or death of the payer, your future premiums will be waived and your loved one continues to be covered. You can also choose to be covered in the event of involuntary loss of income, so your premiums for the next 6 months will be waived.

Payer PremiumEraser

Age 45, suffers an involuntary loss of income8

ECI Payout rider pays: S$350,0009

Age 65, diagnosed with Advanced Stage Stroke


Advance TPD Payout rider pays: S$500,000

How Term Protector provides high coverage at low cost

Term Protector (term-to age 99) Basic Sum Assured: S$1,000,000

+ Advance Total and Permanent Disability (TPD) Payout rider6 Sum Assured: S$1,000,000

+ Early Critical Illness (ECI) Payout rider Sum Assured: S$500,000 

+ Premium Wavier (ECIUN) rider5

Monthly Premium of S$550 till age 997

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Illustration

This feature is available for regular pay term-to-age.

You may convert this policy to another regular premium pure life protection basic policy available before or when the Life Assured turns 60 years old without further evidence of insurability, subject to terms and conditions. The Sum Assured of the new policy will remain the same as the Sum Assured of this policy.

Minimum entry age: Based on attained age. 
Maximum entry age: Based on age nearest birthday.

An additional amount equivalent to 10% of the original Sum Assured of the Early Critical Illness Payout rider, subject to a maximum of S$25,000 per Life Assured for each Special Condition or Juvenile Condition. Please refer to the product summary for more details.

Premium Waiver rider provides coverage to the end of the rider policy term and Involuntary Loss of Income benefit provides coverage up to age 50.

Advance Total and Permanent Disability Payout rider provides coverage to age 70.

If there is a claim on the policy, premiums will be reduced accordingly. Figure illustrated is rounded off to the nearest number.

The Life Assured must be working under full-time employment before suffering the involuntary loss of income and the Life Assured must not be receiving any income from other employment, whether full-time or part-time.

The maximum claims limit per lifetime of the Life Assured aggregated across all other policies issued by HSBC Life is S$350,000 for each Early stage critical illness condition.

Product T&Cs

T&Cs

Policy Information and Downloads

Downloads

We've made it easy for you to file a claim

File a claim

Get In Touch

Product Disclosure
This plan is underwritten by HSBC Life (Singapore) Pte. Ltd. ("HSBC Life"). This advertisement is not a contract of insurance and not for use outside Singapore. The precise terms and conditions are specified in the policy contract.

This advertisement is for your information only and does not have any regard to your specific investment objectives, financial situation or particular needs. You may wish to seek advice from a financial planner before making a commitment to buy the product, and if you choose not to seek advice, you should consider whether the product is suitable for you.

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

A Product Summary is available and may be obtained from a financial planner representing HSBC Life. You should read it before deciding whether to purchase the policy.

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 GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

All information is correct as of 01 February 2023.

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Protection 
that lasts you 
a lifetime

Term Protector / Term Protector Prime

HSBC Life's term life insurance or term protector keeps you protected through financial situations with 40% perpetual discount. Find out more about our term plan.

Term Protector / Term Protector Prime

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Term Protector / Term Protector Prime

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