Living to 100 is no longer unthinkable. Can your insurance keep up?

AT THE centre of every home is the dining table – a nondescript but important piece of furniture that has seen you through life’s different seasons. Perhaps it was where you had your first meal together as a newlywed couple. Or discussed important plans for the future well into the night. Maybe it even has crayon markings that little Johnny scratched in years ago.

A lot can change around the dining table over a lifetime. As the people, plans and priorities around the table evolve, so do the financial responsibilities that come with them – and the level of protection you may need along the way. Here are some things to consider as life unfolds.

That next chapter could be longer than you expect. Singaporeans are living longer, with life expectancy reaching 83.9 years in 2025, while around 1,500 residents are already aged 100 and above. With more years ahead to enjoy retirement, pursue new experiences and spend time with loved ones, your protection will need to evolve too.

Flexible protection for life’s changing needs

Just as your home evolves with the different chapters of your life, so will your protection needs. HSBC Life Term Protect Secure is a term insurance plan that provides coverage up to age 100, with protection against death and terminal illness, providing comprehensive protection during years of peak financial responsibility, while giving you the flexibility to adapt to changing needs.

When life gets bigger, your protection can too. As responsibilities grow, such as marriage, parenthood or building a new home, you can increase your coverage at eligible key life milestones without additional medical assessment¹. This gives you the flexibility to strengthen your financial protection when more people and responsibilities depend on you.

You can also get additional coverage with our comprehensive range of supplementary benefits as your needs evolve, including coverage for up to 170 critical illness conditions, total and permanent disability, and more, helping you prepare for life’s unexpected turns.

And when your responsibilities ease, HSBC Life Term Protect Secure offers support for what comes next. Through the FlexiMilestone Benefit², you can receive a cash payout of 50 per cent of the premiums paid on your base plan, giving you the flexibility to redirect the payout towards other priorities, whether it be travelling, pursuing a passion or spending more time with family.

The longest journeys deserve something to celebrate. For those who reach the remarkable milestone of age 100, the Guaranteed Survival Payout II rider provides a payout, rewarding longevity and marking a life well lived.

From building a life to enjoying everything you’ve built, HSBC Life Term Protect Secure is designed to support your protection needs through the milestones along the way.

Whatever your next chapter brings, discover protection that can evolve with you.

Footnotes and disclaimers:

Terms and conditions apply. This advertisement has not been reviewed by the Monetary Authority of Singapore. Protected up to specified limits by SDIC. Information is correct as at October 2026.

¹Allows you to increase the sum assured (up to the applicable limit) for the basic plan and eligible supplementary benefits available at the time of exercise, at specific key life events, without evidence of good health.

²FlexiMilestone Benefit is available during a period of 2 consecutive years commencing from the earlier of the dates in (i) and (ii) below:

(i) the date falling 10 years before the policy expiry date; or

(ii) the later of: the policy anniversary in which the life insured attains age 60 (where applicable); and the commencemen tof policy year 20. Refer to the product summary for terms and conditions.