Whole-of-life insurance with guaranteed cash value to help you save
Plan for you and your family’s future with our life insurance plan with a savings element. This flexible plan enables you to achieve your goals by providing you comprehensive lifetime cover and guaranteed long-term savings. Whole of life insurance.
This is a whole of life insurance insurance plan underwritten by HSBC Life (International) Limited.
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1 WholeLife Protection Plan is not equivalent or similar to any kind of deposit.
2 We consider your age to be how old you are on your next birthday. So, if you are 54 with a birthday in 6 months’ time, we consider you to be 55.
3 The policy anniversary at which you reach the specified age based on age at next birthday.
4 Annual dividends are not guaranteed.
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5 The single payment option allows you to pay all the required premiums at a discounted value. The money will be locked into an investment to ensure the premiums paid and the projected investment return will be sufficient for future payments. Therefore you cannot withdraw the balance of a single payment unless you surrender the policy; a surrender charge footnote 6 will be imposed before the refund.
6 For a policy being surrendered in early years, the surrender proceeds to be received under the policy may be significantly less than the premiums paid. For single payment policy, if you surrender the policy in full or partially through reduction of sum insured, a surrender charge which is subject to change by us from time to time will be imposed on the balance of single payment.
7 It is only applicable to the plan with policy term to age 65 footnote 3. The premium of the increased sum insured is determined according to your age footnote 2 at the time of increase. This option is available for enhanced protection option only.
8 Optional coverage requires additional premiums and is not applicable to policy with single payment footnote 5 option.
The policyholder is subject to the credit risk of HSBC Life (International) Limited.
If the policyholder discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid.
Past, current, projected and / or potential benefits and / or returns (e.g. bonuses, dividends, interests) presented herein are not guaranteed and are for illustrative purposes only.
The actual future amounts of benefits and / or returns may be lower than or higher than the currently quoted benefits and / or returns.
WholeLife Protection Plan is underwritten by HSBC Life (International) Limited ("the Company") which is authorised and regulated by the Insurance Authority (IA). The Hongkong and Shanghai Banking Corporation Limited (referred to as "HSBC") is an insurance agent authorised by the Company. Your benefit is subject to the credit risk of the Company. Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only. This product is a product of the Company but not HSBC and it is intended only for sale in the Hong Kong SAR.
Please refer to the respective product brochure for detailed features and the policy provisions for the detailed terms and conditions.
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HSBC Life (International) Limited is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries.