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.

Get a quote Retrieve your form

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:

Get a quote

Tell us about yourself

Please enter a valid date
We are unable to proceed with your online application.
Policy Term
Has the applicant smoked in the last 12 months?

Coverage and add-on(s)

Enter your policy coverage or drag the slider to adjust the amount:



Only letters and numbers are allowed

Important notes

DIRECT-ValueTerm is underwritten by HSBC Insurance (Singapore) Pte. Limited (Reg. No. 195400150N), 10 Marina Boulevard, Marina Bay Financial Centre Tower 2 Level 48-01, Singapore 018983. 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 on this website. You should read the product summary before deciding whether to purchase this product as this product is sold online without any advice. Please refer to the policy contract for the exact terms and conditions, specific details and exclusions of this 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. 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 LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg). Information is correct as at 22 April 2022. This advertisement has not been reviewed by the Monetary Authority of Singapore.