Top of main content

Jade Universal Life Plans

Customisable universal life insurance plans that help you preserve your wealth and pass on your legacy

Life insurance that helps you plan your legacy

Pass your wealth on to the next generation and secure their financial security with the Jade Global Generations Universal Life Plan and Jade Ultra Global Generations Universal Life Plan. Our plans can be customised to meet a wide range of your needs so you can plan flexibly for your family's future.

HSBC Premier Elite customers can contact your Premier Elite Director to learn more.

Key benefits

Keep estate liquidity

Preserve your insurance protection and its potential account value accumulation 

Rest easy with estate equalisation

Provide long-term financial stability for your loved ones while enjoying retirement on your terms 

Security for your family

Ensure your family is equipped with the financial resources they need in the future 

Arrange for charitable giving

Share a lasting legacy and contribute to the charities you care about 

Special offers — Enjoy up to 21.5% off

  • Enjoy up to 21.5% 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.

Tailoring your plan to your needs

We make it easy to customise your policy to meet your needs.

  • Multiple currency options[@policycurrencies]
  • Guaranteed crediting interest rate lock benefits
  • Accelerated death benefit at no additional cost[@accelerateddeathbenefitclaimed1]
  • Change of life insured options for multi-generational planning
  • No-lapse guarantee benefit options upon purchase of your plan, or at specific intervals of your policy[@nolapseguarantee]
  • Charitable giving benefit at no additional cost
  • Premium payment options
  • Critical illness advance payment[@criticalillnessadvancepayment]—get supplementary benefits with additional premiums*


You also have the flexibility to access the policy account value[@policyaccountvalue] if needed.

*available only on the Jade Global Generations Universal Life Plan


Suggested articles

Turn a life policy into an enduring legacy This link will open in a new window

See how life insurance plans can help you with legacy planning, from wealth protection to estate equalisation 

Crafting a legacy for future generations This link will open in a new window

Learn how to plan ahead to leave an enduring legacy for the next generation, even in times of uncertainty, with our comprehensive guide 

How to apply


To apply for either the Jade Global Generations Universal Life Plan or the Jade Ultra Global Universal Life Plan, you'll need to meet these requirements:

  • be aged[@birthdaydefinition3] between 18 and 80; or 18 and 70 if you wish to select Critical Illness Advance Payment in your Jade Global Generations Universal Life Plan
  • meet our criteria for nationality (country/region/territory), address and residency—which are subject to change from time to time

The Jade Global Generations Universal Life Plan and Jade Ultra Global Generations Universal Life Plan are long-term universal life insurance plans 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

Contact your Premier Elite Director to apply for and learn more about Jade Universal Life Plans.

Find out more

You may also be interested in


A single-premium life insurance plan offering the opportunity for long-term capital growth and guaranteed cash value at 85% of the premium paid during the early years 


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


A comprehensive policy that offers you life protection, potentially increases your savings and helps you plan your legacy 


Get easy access to your policy details, future policy projections, make changes to your policies and more, all via online or mobile banking 


    Jade Global Generations Universal Life Plan and Jade Ultra Global Generations Universal Life Plan are long-term universal life insurance plans with savings elements 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 a bank deposit or bank savings plan. 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.