Business to fund? School fees to pay? Perhaps you are simply looking forward to a comfortable retirement. Turn your ambitions into reality with our Income Goal Insurance Plan II, designed to accumulate your savings, provide life protection and a steady stream of income for the future.
This is an annuity insurance plan underwritten by HSBC Life (International) Limited. It is a long-term participating life insurance product with a savings element and is not equivalent or similar to any kind of deposit.
Key features
- Enjoy the flexibility of tailoring your retirement income by creating a monthly stream of payments or accumulating as a lump-sum retirement amount.
- Option to lock-in a portion of your policy value with the Policy Value Management Option4.
- HSBC Life, the No. 1 provider of new annuity business in Hong Kong* is well placed to attend to the broad spectrum of customers’ retirement needs.
*Source: Annual Statistics for Long-term Business 2019 issued by the Insurance Authority (Individual Insurers' Statistics:Total Individual Annuity New Business)
【Special Benefits for COVID-19】
We promise to help protect you and your family in times of need. Because of the COVID-19 outbreak, we’re extending a complimentary special benefit to existing and new policyholders, as well as their partners and children. There are no limitations or special requirements on age or premium amount. See benefits details>
Additional benefits
Enjoy extra protection with the following supplementary benefits5 (also known as “rider”), subject to eligibility, with no additional premiums.
- Additional accidental death cover6
- Unemployment benefit7
- Payor’s Benefit8 (not applicable to single premium policies)
You may also be eligible for the following optional supplementary benefit5 during the policy term, with additional premium required:
Critical Illness Select Benefit (Additional Payment)9 (not applicable to single premium policies)
Please refer to the respective Policy Provisions of the Supplementary Benefits5 for their detailed terms and conditions and relevant exclusions.
Speak with us
HSBC One and other HSBC customers
Book an appointment online or via (852) 2233 3130*.
HSBC Jade and Premier customers
Contact your Relationship Manager
*(Monday to Friday from 11:00am to 7:30pm except public holidays)
Income Goal Insurance Plan II
See How Income Goal Insurance Plan II works
Manage your policy
Manage your policy
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.
You can also request for a dividends and/or bonus withdrawal from your policy (if applicable) and submit other service requests on our Personal Internet Banking webpage.
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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T&Cs apply.

Deferred annuity plans
Explore our qualifying deferred annuity plans that can provide you with a steady income stream after you retire, and enable you to claim tax deduction in Hong Kong.
T&Cs apply.

Savings insurance plans
Explore the list of plans to help you on saving and prepare for a promising future.
The above plans are life insurance plan underwritten by HSBC Life (International) Limited. Policyholders are subject to the credit risk of HSBC Life and early surrender loss.
Disclaimer
- Income Goal Insurance Plan II is underwritten by HSBC Life (International) Limited (referred to the Company) which is authorised and regulated by the Insurance Authority (IA). The Hongkong and Shanghai Banking Corporation Limited (referred to as "HSBC") is an insurance agent authorised by the Company.
- Policyholder's benefit is subject to the credit risk of the Company. Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only. This product is a product of the Company 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.
- Past, current, projected and / or potential benefits and / or returns (e.g. bonuses, dividends and interest) presented herein are not guaranteed and are for illustrative purposes only. The actual future amounts of benefits and / or returns may be lower than or higher than the currently quoted benefits and / or returns.
- For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction, HSBC will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the product should be resolved between the Company and you directly.
- Please refer to the respective product brochure for detailed features and the Policy Provisions for the detailed terms and conditions.