Some promises are fulfilled together. As you strive to fulfill your promises to your loved ones, HSBC Life will be right here with you. Life insurance is more than giving you peace of mind if the unexpected happens, it could also mean fulfilling your wealth needs in your life journey, be it providing medical care, accumulating wealth, fulfilling education needs, supporting retirement plans and leaving a meaningful legacy for you and the people you care about. Discover what we can offer to help you achieve your goals.
The life insurance plans featured below are subject to credit risk of issuer HSBC Life (International) Limited and early surrender loss. Learn more about HSBC Life.
Hot offers

Earn PayMe discount vouchers
Apply for selected insurance plans and get up to HKD5,000 in PayMe discount vouchers plus a discount on your premium. Offer ends 31 July 2022... so hurry!
T&C apply.

Unlock your true wellness
Join Well+ for a fun and rewarding way to improve your wellness—body, money and mind. Earn up to $2,000 RewardCash just by completing simple activities!
T&Cs apply. Please refer to Well+ T&Cs and FAQs.

75% off term life insurance
Get Family Protector and customise it with additional benefits like critical illness cover and more.
T&Cs apply.

Member Get Member Promotion
Register to be a Referrer and get HKD 2,000 SOGO coupons through successful referrals. Your Referee can also enjoy extra 0.1% discount on single premium or 1% discount on first year premium for selected life insurance plans.
T&C apply.

Savings
HSBC Swift Save Insurance Plan
An insurance plan with guaranteed returns to reach your goals. This insurance plan is available online only.
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pay in lump sum, or in 2 years and get up to 3.55% p.a. guaranteed returns
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have a choice of policy currencies including RMB, HKD, USD and GBP
Underwritten by HSBC Life (International) Limited. T&Cs apply.

Life protection | Medical & critical illness
HSBC Family Protector
A term life insurance plan you can tailor to your needs at different life stages. Available online only.
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HKD1,000,000 life coverage for less than HKD 2 a day1
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Flexible options of up to 4 additional benefits2 of your choice - critical illness & cancer protection, child protection, hospital cash protection, accidental death benefit.
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Easy online application
Underwritten by HSBC Life (International) Limited. T&Cs apply.
Limited time offers:
- Get 75% off your first year premium. T&Cs apply.

Medical & critical illness | Tax deductible
HSBC VHIS Flexi Plan
A medical insurance plan certified under the Voluntary Health Insurance Scheme3 that provides you and your loved ones with all-round medical coverage, including access to quality medical care at private healthcare services.
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Eligible for tax deduction of up to HKD 8,000 per insured person4
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Get fully covered for hospitalisation and surgical fees without any sub-limits
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Cashless arrangement for hospitalisation in Hong Kong upon pre-authorization
Underwritten by HSBC Life (International) Limited. T&Cs apply.
This is a Food and Health Bureau certified VHIS flexi plan provided by HSBC Life (registration number: 00042).
Limited time offers:
- Get up to 60% off your first year premium.T&Cs apply.

Savings | Retirement income
HSBC Wealth Goal Insurance Plan II
A whole life insurance plan designed for people with long-term wealth savings objectives.
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Potential long-term growth with projected cash value reaching 400%5 of total premium payment
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Flexibility to lock-in a portion of your policy value
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Option to transfer the coverage
Underwritten by HSBC Life (International) Limited. T&Cs apply. “Projected cash value” is non-guaranteed, the actual return may be higher or lower than the amount quoted.
Limited time offers:
- Get up to 20% off your first-year premium. T&C apply.
- Earn up to an extra $6,000 RewardCash. T&Cs apply.

Savings | Retirement income | Child education | Tax deductible
HSBC Income Goal Deferred Annuity Plan
An annuity plan that provides a monthly income stream after you retire with tax saving benefit. Life insured from age 26 to 65 can apply.
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Pay in 5 or 10 years and get a monthly annuity payment after accumulation period for 10, 15 or 20 years or accrue them with interest
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Receive a non-guaranteed special bonus at the commencement of the annuity period and accumulate with interest (if any) which forms part of non-guaranteed annuity payment
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Potentially save on personal tax up to HKD $10,2006 per person each year while paying premium
Underwritten by HSBC Life (International) Limited. T&Cs apply.
This plan is certified by the Insurance Authority as a qualifying deferred annuity policy
Limited time offers:
- Get up to 7% off your first-year premium. T&Cs apply.
- Earn up to an extra $6,000 RewardCash. T&Cs apply.

Savings | Retirement income | Child education
HSBC Flourish Income Annuity Plan
An annuity plan that provides a monthly income stream after you retire, applicable to life insured who is aged 19 to 75.
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Pay 3 years with an accumulation period of 1 or 3 years, receive a monthly annuity payment for 25 years or to age 99
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Enjoy a 3% per year increment on monthly guaranteed annuity during the first 10 years of the annuity period.
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A choice to enrich your plan with additional Dementia Protection
Underwritten by HSBC Life (International) Limited. T&Cs apply.
Limited time offers:
- Get up to 6.5% off your first-year premium. T&Cs apply.
- Earn up to an extra $6,000 RewardCash. T&Cs apply.

Life Protection | Legacy Planning
Jade Universal Life Plans
An insurance plan that helps you preserve your wealth so you can pass it on to your loved ones.
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Whole life protection
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Long-term financial protection for your loved ones with estate equalization and estate liquidity
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Customisable in a variety of ways to meet your needs
Underwritten by HSBC Life (International) Limited. T&Cs apply.
Limited time offers:
- Get up to 6% off your first-year premium. T&Cs apply.

Savings | Retirement income | Child education
Income Goal Insurance Plan II
An annuity plan that covers newborns through to age 65, and provides a monthly income stream upon retirement.
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Pay 3 years and accumulate your premium for 10 years
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After accumulation period, receive a monthly annuity payment for 10 years or accrue them with interest
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The plan comes with a non-guaranteed special bonus at the end of the policy term
Underwritten by HSBC Life (International) Limited. T&Cs apply.
Limited time offers:
- Get up to 4% off your first-year premium. T&Cs apply.
- Earn up to an extra $6,000 RewardCash. T&Cs apply.

Life Protection | Medical & critical illness | Savings
HSBC Family Goal Insurance Plan
An insurance 3-in-1 solution with enhanced protection in the first 20 years.
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Life insurance protection
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Cancer benefit covering your children
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Potential saving appreciation for a fulfilling retirement age
Underwritten by HSBC Life (International) Limited. T&Cs apply.
Limited time offers:
- Get up to 20% off your first-year premium. T&Cs apply.
- Earn up to an extra $6,000 RewardCash. T&Cs apply.

Life protection
Mortgage Protection Plan
An insurance plan that protects your mortgage loan in the event of your death.
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Select insurance cover and term of policy to suit your mortgage
Underwritten by HSBC Life (International) Limited. T&Cs apply.
Limited time offers:
- Get 6-month premium waiver on first-year premium. T&Cs apply.
- Earn up to an extra $6,000 RewardCash. T&Cs apply.

Savings | Retirement income | Child education | Tax deductible
HSBC EarlyIncome Deferred Annuity Plan
An annuity plan that provides a monthly income stream after you retire, with a bonus tax saving. Life insured from 46 to 70 can apply.
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Pay 5 years and receive a monthly annuity payment after accumulation period for 20 years or to age 99; or accrue them with interest
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Potentially save on personal tax up to HKD10,2006 per person each year while paying premium
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Unpaid annuity can be succeeded by beneficiaries
Underwritten by HSBC Life (International) Limited. T&Cs apply.
This plan is certified by the Insurance Authority as a qualifying deferred annuity policy.
Limited time offers:
- Get up to 7% off your first-year premium. T&Cs apply.
- Earn up to an extra $6,000 RewardCash. T&Cs apply.

Medical & critical illness | Savings | Retirement income
HSBC Health Goal Insurance Plan
An insurance plan which protects against major critical illnesses and offers potential wealth appreciation.
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Potential return can reach 4% p.a.7 4 View footnote 4
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Protection from 3 major critical illnesses: cancer, heart disease and stroke
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Critical illness claims will not affect savings and potential return
Underwritten by HSBC Life (International) Limited. T&Cs apply. “Potential return” is non-guaranteed, the actual return may be higher or lower than the amount quoted.
Limited time offers:
- Get up to 18% off your first-year premium. T&Cs apply.
- Earn up to an extra $6,000 RewardCash. T&Cs apply.

Life protection
Goal Access Universal Life Plan (Protection)
An insurance plan which offers comprehensive protection while building a cash fund.
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Life insurance protection
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Pay 5 years and receive potential return
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Flexibility to partially withdraw cash and adjust the sum insured
Underwritten by HSBC Life (International) Limited. T&Cs apply.
Limited time offers:
- Get up to 2% off your first-year premium. T&Cs apply.
- Earn up to an extra $6,000 RewardCash. T&Cs apply.

Medical & critical illness | Tax deductible
HSBC VHIS Standard Plan
A medical insurance plan certified under the Voluntary Health Insurance Scheme3 that gives you and your loved ones essential medical coverage, including access to quality medical care at private healthcare services.
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Eligible for tax deduction of up to HKD 8000 per insured person4
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Guaranteed policy renewal up to age 100
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Cover against unknown pre-existing conditions8
Underwritten by HSBC Life (International) Limited. T&Cs apply.
This is a Food and Health Bureau certified VHIS standard plan provided by HSBC Life (registration number: 00042).
Limited time offers:
- Earn up to an extra $6,000 RewardCash. T&Cs apply.

Savings | Retirement income
HSBC Ultra Wealth Goal Insurance Plan
A single premium whole life insurance plan designed for those who want to enrich their wealth with long-term growth potential.
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Potential long-term capital growth with a guaranteed cash value at 85% of the premium you paid during the early years
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The flexibility to lock in a portion of your policy value
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The option to transfer your policy coverage to loved ones
Underwritten by HSBC Life (International) Limited. T&Cs apply.
Limited time offers:
- Get up to 5.5% off your first-year premium. T&Cs apply.

Life protection | Legacy Planning
HSBC Paramount Global Life Insurance Plan
An insurance plan that helps fulfil your protection legacy planning needs.
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Pass your coverage on to your loved ones
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Choose from flexible death benefit settlement options
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Get life protection and increase your savings
Underwritten by HSBC Life (International) Limited. T&Cs apply.
Limited time offers:
- Get up to 20% off your first-year premium. T&Cs apply.

Child education | Savings
Goal Access Universal Life Plan (Education)
An insurance plan which provides life protection to your child and builds up a fund for your child’s education and future.
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Pay for 5 years and receive potential return when your child reaches 22
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Option to withdraw cash early
Underwritten by HSBC Life (International) Limited. T&Cs apply.
Limited time offers:
- Get up to 2% off your first-year premium. T&Cs apply.
- Earn up to an extra $6,000 RewardCash. T&Cs apply.
Speak with us via video-enabled meeting

Book a video meeting online or call (852) 2233 3130 to arrange a meeting now!
With just a few simple steps, you can set up a video-enabled meeting via Zoom on your computer or mobile device to enjoy the convenience of discussing your life insurance needs with an Insurance Specialist.
For HSBC Jade and Premier customers, you can contact your Relationship Manager directly.
Find out how to set up a video-enabled meeting and the points to note before the meeting.
Hotline is available Monday to Friday from 11:00am to 7:30pm except public holidays.

Uphold the promises to you and your loved ones with tips on how to protect yourself and your finances.
Making claims and making changes
Manage your policy online
Access your policy details anytime, anywhere on both your HSBC HK Mobile Banking app and our Personal Internet Banking webpage, so you can check your benefits, coverage, premium due dates and much more at your fingertips.
Make a claim
Sometimes life doesn’t go according to plan and you’ll want to make an insurance claim as soon as possible.
Simply call our Tele-Consultants at (852) 31280122 who will assist you in preparing your relevant claim request(s).
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Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.

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Underwritten by AXA General Insurance Hong Kong Limited. T&Cs apply.
*To borrow or not to borrow? Borrow only if you can repay!
#applicable to customers without any new HSBC life policy application from 1 July 2019 to 30 June 2022. T&Cs apply.