HSBC Life ValueLife Review

The complete Pros and Cons on HSBC Life ValueLife

HSBC Life ValueLife is a non-participating whole life insurance plan that lets you reduce your coverage, at either ANB 65 or 80. If nothing happens, you can surrender HSBC Life Value Life and get back 100% of premiums paid at the end of year 15.

HSBC Life ValueLife product details

  • Life policy – Whole Life Policy
  • Guaranteed lifetime protection with a limited premium paying term
    • Pay regular premiums for only the first 15 years  and be insured against Death and
      Terminal Illness up to ANB 99.
  • Insurance Coverage 
    • Covers Death and Terminal Illness up to ANB 99.
    • Covers Total and Permanent Disability before ANB 65.
  • Guaranteed refund of premiums
    • Receive 100% of the total premiums paid at the end of year 15, if you decide to surrender your policy and if there is no premium loading.
  • Guaranteed maturity benefit
    • If no claims have been made up to ANB 99, the reduced Sum Insured, i.e. 70% of the basic Sum Insured, will be paid out in one lump sum as the maturity benefit.

Read AboutWhole Life Policy: How does it work?

In-depth Review: 4 Best Whole Life Plans in Singapore for Insurance Coverage (2023 Edition)

Features of HSBC Life ValueLife at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: Yes
Terminal Illness: Yes
Critical Illness: No
Early Critical Illness: No

Health and Insurance Coverage Multiplier

Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders


Additional Features and Benefits


For further information and details, refer to HSBC Life website. Alternatively, fill-up the form below and let us advise accordingly.

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HSBC Life ValueLife may be suitable if you are looking for

HSBC Life ValueLife may potentially be a good fit if the following matters to you:

  • Higher protection for Death and Terminal Illness coverage at an affordable premium.
  • Health and Protection coverage due to a shortfall in your Insurance Portfolio.
  • Paying premiums only for a limited number of years and enjoying coverage for a lifetime.

Read About: How much insurance coverage do you really need in Singapore *NEW*

In-depth Review: Term life vs Whole life – Which is better for you?

HSBC Life ValueLife may not be suitable if you are looking for

HSBC Life ValueLife may potentially be a bad fit if the following matters to you:

  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • Access to cash from your policy on a regular basis.
  • Insurance policy with a high surrender value in the early years of the policy.
  • Potentially higher financial returns compared to a pure investment product.

In-depth Review: 3 Best Endowment Savings Plans in Singapore with Lifetime Wealth Accumulation (2023 Edition)

In-depth Review: 3 Best Investment Linked Policies in Singapore for Wealth Accumulation (2023 Edition)

Further considerations on HSBC Life ValueLife

  • How is HSBC Life or HSBC Life ValueLife investment returns based on historical performance?
  • How does HSBC Life ValueLife compare with Whole Life Policies from other insurance companies?
  • Can HSBC Life ValueLife fulfill my financial insurance, health, and protection needs?

The above information may not fully highlight all the product details and features on HSBC Life ValueLife. Talk to us or seek advice from a financial adviser before making any decision about HSBC Life ValueLife.

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Compare before you commit

Before committing to a whole life insurance policy, it certainly pays to make an effort to compare. Specific product features, benefits, and payouts will differ more than you think across insurance companies.

Why regret only years later, when you find out that you are not getting the best insurance policy available for the premium paid?

Even worse, to know you can compare whole life insurance plans here,  100% free of charges on the platform.

INSTANT quotes for Whole Life Plans

Whole Life Plans

Matching your profile…

Let’s start by filtering out the best whole life plans based on your age and gender. Your gender and age will affect the base premium payable.

Your current age is closest to:

Your gender is:

Male Female

Whole Life Plans

Understanding your coverage needs…

You whole life plan can provide comprehensive coverage against all 37 major illness. Choose the level of protection you need for yourself and your family.

You require a critical illness (for late stage major illness) coverage of:

You require an early critical illness (for all stages of major illness) coverage of:


Whole Life Plans

Finding you the best whole life plans…

Your annual insurance premium will be lower if you choose to spread out your premium term over a longer period of time.

Your prefer to make payment (premium term) for this whole life plan over a period of:

INSTANT quotes for Whole Life Plans

Is HSBC Life ValueLife suitable for me?

Contact InterestGuru using the form below and a licensed financial adviser will advise you accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

*For a limited time, get attractive incentives when you take up any products that is proposed by our team of financial planners.

We compare quotations head to head on all leading insurers in Singapore

Personalised whole life plans

Pay for what you need in a whole life plan!

3 easy steps for your customised whole life insurance plan

Step 1: Getting to know you…

Let's start with a brief introduction of your personal profile. Please note that your current age and gender affects the insurance premium payable for your whole life plan.





Step 2: Understanding your coverage needs…

Please select the amount (sum assured) and type of lifetime coverage that is required for this plan:

You need a death coverage (base coverage) amount of?

Do you required critical illness coverage in the event of a major illness (optional)?


Step 3: Finding the best whole life plans for you! team of financial planners will compare and provide you with the best whole life insurance plans based on your inputs.



Please check your inbox for an e-mail of your financial planning needs. We will be in contact with you within 24 hours.

Personalise your whole life insurance plans


Before you go...
HSBC Life ValueLife may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!


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