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Notice to ILAS Policyholders

This page contains notices pertaining to policyholders of Investment-linked Assurance Scheme (ILAS) plans issued by HSBC Life.

Notice to policyholders of HSBC Life Investment-linked Assurance Scheme

Note

  • This information provided in this webpage is only designed and published for existing policyholders of the investment-linked insurance plans ("plan") issued by HSBC Life (International) Limited, and/or Macau Branch (the "Company").
  • Issuer's Risk - you rely on the Company's creditworthiness and your investments are subject to the credit risk of the Company.
  • All premiums you pay towards your policy, and any investments made by the Company in the underlying funds/assets*, will become and remain the assets of the Company. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.
  • You are not investing in the underlying funds/assets* and you do not have any rights or ownership over these underlying funds/assets*.
  • Your potential return from investment is calculated by the Company with reference to the fluctuation of the performance of the underlying funds/assets*. Each of these underlying funds/assets* has its own investment objectives and associated risks.
  • The investment choices available under the plan can have very different features and risk profiles. Some may be of high risk.
  • The investment decision is yours but we strongly recommend that you do not invest in the plan unless the intermediary who sells it to you has explained to you that the plan is suitable for you having regard to your financial situation, investment experience and investment objectives.
  • You should not invest based on the information of this web site alone and should read the offering documents which will be made available by the Company.

Please note: LifeInvest Protection Plus/RetireInvest Protection Plus/Savings Protection Plus/Super Life, LifeInvest Protection Plan (10 Years Maximiser) and WealthInvest Insurance Plan/WealthInvest Life Plan are no longer offered to the public. The changes of the Investment Choices being mentioned in this page may be more than that you can select in your Plan. The information shown for the above plans is for existing policyholders only.

* "Assets" do not apply to WealthInvest Insurance Plan/WealthInvest Life Plan and HSBC Wealth Select Protection Linked Plan