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Protection Planning

Goal Access Universal Life Plan (Protection)

  • Financial flexibility in change of sum insured*, unscheduled premium# and cash withdrawal+ options.
  • Embedded extra protection benefits such as waiver of premium on disability benefit, payor's benefit and terminal illness benefit^.
  • Select optional major illness benefit** (advance payment) which covers 60 illnesses.

* Increasing the sum insured is subject to (i) underwriting; and (ii) increase the policy expense charge and insurance change. Reducing the sum insured may induce surrender charge.
# The minimum amount of unscheduled premiums per transactions is USD625, which is subject to change by the Company from time to time. The acceptance of unscheduled premium is at Company’s discretion.
+ Withdrawal is subject to applicable surrender charge. Withdrawals will reduce the account value which may reduce the death benefit and increase the chance of policy lapses.
^ Terminal illness benefit is applicable to the life insured who is from 15 days after birth to the age1 of 64.Terminal illness benefit will terminate upon the policy anniversary at which the life insured attained the age1 of 65, payout of this benefit or the policy is terminated (whichever is the earliest).
** Additional premium and charges are required for optional major illness benefit (advance payment). This benefit will terminate when the advance payment under this benefit is paid or when the policy is terminated.
1 Age means age at your next birthday
Please refer to insurance policy for the detailed terms and conditions.

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WholeLife Protection Plan1

  • Provides life protection for the whole of your life and a guaranteed savings return at an affordable cost.
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Term Life Insurance (Refundable Premium)1

  • Provides low-cost life insurance that is ideal for covering your family's financial obligations in the event of your death.
  • The plan will refund 50% of the premiums paid if you survive at the end of the 10-year term.
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Talk to our Financial Advisor?

  • Call (852) 2233 3733

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  1. WholeLife Protection Plan and Term Life Insurance (Refundable Premium) are underwritten by HSBC Life (International) Limited which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. The HongKong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Life (International) Limited.

HSBC Life (International) Limited (“the Company”) is incorporated in Bermuda withlimited liability, and is one of the HSBC Group’s insurance underwriting subsidiaries.

Goal Access Universal Life Plan (Protection) is an insurance policy issued by the Company. Your benefit is subject to the credit risk of the Company. Your premiums paid will form part of the Company assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.