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Goal Access Universal Life Plan (Protection)

A long-term universal life insurance plan offering comprehensive protection and the flexibility to partially withdraw cash[@withdrawal] while building a cash fund

Flexible savings and life insurance

Enjoy peace of mind with comprehensive life protection, while building a cash fund you can pay into or withdraw from at any time according to your evolving needs.

What's best for your insurance needs? Get tailored guidance from our Insurance Specialists today.


Key benefits

Grow your savings

Earn at least 2% p.a. interest on your account value during the first 10 years and a loyalty bonus[@loyaltybonus] 

Adapt to your evolving needs

Enjoy more flexibility with the sum insured[@suminsured], cash withdrawal services[@withdrawal], and boosting your account value with unscheduled premiums[@unscheduledpremiumstbd]

Enhance your cover against 60 major illnesses

For an additional premium, you'll receive the death benefit in advance if you're diagnosed with any of the 60 covered major illnesses[@majorillnessbenefitadvance]

Special offers — Enjoy up to 3.5% off

  • Enjoy up to 3.5% off your first year's premium. T&Cs apply.
  • Enjoy preferential interest rate on time deposit after successfully applied for this plan. T&Cs apply.
  • Enjoy first-year premium waiver on HSBC VHIS Flexi Plan when you apply for this plan with designated premium amount. T&Cs apply.

How to apply


To apply for our Goal Access Universal Life Plan (Protection), you'll need to meet both of these requirements:

  • the insured person is aged[@birthdaydefinition] between 15 days and 65 years
  • meet our criteria for nationality (country/region/territory), address and residency—which are subject to change from time to time


The Goal Access Universal Life Plan (Protection) is a long-term universal life insurance plan with a savings element underwritten by HSBC Life (International) Limited ("HSBC Life").  It is not equivalent or similar to a bank deposit. Policyholders are subject to HSBC Life's credit risk and early surrender loss.

Talk with us

Get personalised support from our Insurance Specialists. Book a face-to-face appointment or meet with us over video.

Or call us on (852) 2233 3130. Lines are open 11am to 7:30pm, Mondays to Fridays except public holidays.

HSBC Premier Elite or Premier customer?

Contact your Premier Elite Director or Relationship Manager. HSBC Premier customers can also call us on (852) 2233 3322.

Find out more

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    The Goal Access Universal Life Plan (Protection) is a long-term universal life insurance plan with a savings element underwritten by HSBC Life (International) Limited ("HSBC Life") which is authorised and regulated by the Insurance Authority ("IA") to carry on long-term insurance business in the Hong Kong SAR. It is not equivalent or similar to any kind of bank deposit. Please refer to the product brochure for detailed features and the policy provisions for the detailed terms and conditions.

    HSBC Life is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries. The Hongkong and Shanghai Banking Corporation Limited ('HSBC') is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an agency of HSBC Life for the distribution of life insurance products in the Hong Kong Special Administrative Region. This product is a product of HSBC Life but not HSBC and it is intended only for sale in the Hong Kong SAR. 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. Your benefit is subject to the credit risk of HSBC Life. Your premiums paid will form part of HSBC Life's assets. You do not have any rights or ownership over any of those assets. Your recourse is against HSBC Life only.

    In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between HSBC and you out of the selling process or processing of the related transaction, HSBC is required to enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the above insurance product should be resolved between HSBC Life and you directly.