Term is the easy way forward

No one can predict life's future events. If you find it hard to plan for the long run, here's a straightforward and flexible term life insurance plan that covers you for a set period. Choose from the options of a policy term of 5 years that is renewable up to ageFootnote:1 85, 20 years, or up to ageFootnote:1 65 - with an add-on to cover for critical illness.

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Protection Cover

Up to S$400,000

Protection Period

Choose from 3 options:


  • DIRECT – Critical Illness Rider

How DIRECT - ValueTerm benefits you

Flexible coverage with 3 policy term options

Choose from a policy term that suits your needs - 5 years that is renewable up to ageFootnote:1 85, 20 years, or up to the ageFootnote:1 65.

Guaranteed policy renewals for the 5-year term

You will qualify for policy renewals every 5 years until you turn 85, without the need for medical proof. Premiums may vary with every renewal.

Insurance that's easy to understand

Learn about your policy the straightforward way. Simply answer a few questions to receive a quote on your premium.

Footnote:1 Age refers to age next birthday and denotes the insured's age at a particular time with the addition of 1 year.

Enhance your coverage

DIRECT - Critical Illness Rider

In the unfortunate event of a critical illness, a sum insured of up to S$400,000 will be paid out.

The rider covers 30 critical illnesses including stroke, certain types of cancer and heart diseases.

Product reference materials

DIRECT - ValueTerm (Base Plan):

DIRECT - Critical Illness Rider:

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Coverage and add-on(s)

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Important notes

DIRECT-ValueTerm is underwritten by HSBC Insurance (Singapore) Pte. Limited (Reg. No. 195400150N), 9 Battery Road, #12-01 MYP Centre, Singapore 049910. 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. Copies of the product summaries in relation to the products offered are available and can be obtained on this website. A person interested in a product should read the relevant product summary for details before deciding whether to buy the product. 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. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. 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 web-sites (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 30 November 2018. This website is issued by HSBC Insurance (Singapore) Pte. Limited.