Life Insurance

What is Life Insurance?

Life Insurance relieves your family's financial burden in the event of your death. HSBC offers a range of life insurance products to meet your individual insurance needs.

Refundable Insurance

Refundable Protection Plan (Major Illness)

Major illness protection with premium refund. Instant approval - quote now.

Term Life Insurance (Refundable Premium)

A 10-year pure life insurance plan that provides 50% premium refund at maturity. Instant approval - quote now.

Pure Life Insurance

Term Protection Plan

A pure life insurance plan that provides maximum cover at a low cost. Quote now.

Life Insurance and Savings

Target Protection Plus

A simple plan that enables you to reach your savings goal, and comes with the safety net of life protection.

Lifestyle Wealth Protection Plus

A comprehensive plan that provides lifetime protection and distributes guaranteed cash bonuses, amounting in total to 54% of the sum insured, at the 6th policy anniversary and every 3 years onwards to the 24th policy anniversary.

WholeLife Protection Plan

A whole life plan that offers protection for the duration of the policy with guaranteed savings.

WealthSave (Renminbi) Protection Plan 

A 10-year Renminbi-based savings plan that provides guaranteed Renminbi savings with potential growth and a life cover.

Life Insurance and Investment

WealthInvest Insurance Plan*

An investment-linked insurance plan that provides an effective platform allowing you to invest in a disciplined manner through regular contributions over a period of time and some insurance cover.

*WealthInvest Insurance Plan is authorised by the Securities and Futures Commission. Such authorisation does not imply official recommendation. Investment involves risk. For details including charges and risk factors, please refer to the relevant Principal Brochure.

Prepare for Retirement

EarlyIncome Annuity Plan 

An annuity plan provides you a regular monthly annuity payment as early as one year after policy commencement for 20 years or up to age 99 plus life cover and extra protection against accidental death, terminal illness and unemployment.

Lifestyle Retirement Protection Plus

A retirement plan that provides lifetime protection with a guaranteed cash bonus equivalent to 50% of the sum insured as a retirement fund at your selected retirement age (55, 60 or 65).

RetireIncome Annuity Plan

An annuity plan providing a guaranteed payment regularly to supplement the retirement living expenses, with life cover throughout the policy term.

LifeSave Protection Plan (Lifetime Medical)

LifeSave Protection Plan (Lifetime Medical) is an insurance plan combining medical and life cover with savings elements, with a Medical Account designed to provide you with a cash benefit to meet medical needs.

Prepare for Education

Lifestyle Education Protection Plus

An education plan that provides lifetime protection with guaranteed cash bonuses as an education fund for your child.

What else should I know?

• Plan your life insurance needs
• Life Insurance Products at a glance
• Retirement Insurance Products at a glance
• Policy dividend
• e-Policy servicing