Top of main content
The start Keung to takes a pink swan boat while a father and his daughter take a blue swan boat; image used for "HSBC Swift Save Insurance Plan"

HSBC Wealth Goal Insurance Plan II

Your future. Plan and make it happen, your way.

With our HSBC Wealth Goal Insurance Plan II, you can build your wealth gradually and achieve your long-term savings goal. Moreover, its life protection element can also give you a peace of mind for further adventures with your loved ones.

Grow your wealth for a better tomorrow

  • An opportunity for long-term capital growth, projected cash value can reach 400%* of total premium payment

  • Life protection coverage up to Age2 99 with Supplementary Benefits

  • A Policy Value Management Option3 to lock-in a portion of your policy value when you need more financial certainty

  • A chance to extend a gift by transferring the coverage of your Policy4 to your loved ones

 

* Return is on the basis of 30 years later1

HSBC Wealth Goal Insurance Plan II is a whole life insurance plan with a savings element underwritten by HSBC Life (International) Limited (“HSBC Life”). It is not a bank deposit or bank savings plan. Policyholders are subject to HSBC Life's credit risk and early surrender loss. Please refer to the product brochure for details.

How does it work

Speak with us

Book an appointment for face-to-face or video-enabled meeting:

  • Or via (852) 2233 3130

    (Mon to Fri: 11:00am - 7:30pm, except public holidays)

HSBC Jade and Premier customers

  • Contact your Relationship Manager

Limited time offers:

  • Get up to 15% off your first-year premium.

    Offer ends 31 December 2021. T&C apply

  • Get an extra 2% off your first year premium

    Customers who have applied selected life insurance plans eligible for HSBC Life Well+ can enjoy the offer.

    Offer ends 31 December 2021. T&Cs apply.

  • Earn up to an extra $3,000 RewardCash!

    Pay new policy’s premium to HSBC Life with HSBC Premier Mastercard® Credit Card* to enjoy the offer.

    Offer ends 31 December 2021. T&Cs apply

Are you eligible?

To apply, you need to:

  • be aged2 between 15 days after birth and 70 years old (depending on the premium payment terms selected)
  • meet our requirements for nationality, address and residency, which may be subject to change from time to time

Additional information

You may also be interested in

Keung To from Mirror is running with a kid in the front, the father of the kid is following behind them; image used for HSBC Health Goal Insurance Plan.
 

Protection against 3 major critical illnesses while enjoying potential wealth appreciation. Critical illness claims will not affect savings and potential return.

T&Cs apply.

Keung To from Mirror takes photos with a father and his daughter on the swan boat; image used for HSBC Family Goal Insurance Plan.
 

3-in-1 solution with enhanced protection for the first 20 years , offering life protection, untapped savings appreciation, cancer benefit covering your children*.

T&Cs apply.

*The cancer benefit is applicable to the first 20 policy years. Only one claim can be made by either the life insured or his or her child aged below 18 under this coverage.

A lady is watching sakura; image used for Deferred annuity plans.
 
This link will open in a new window

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.

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.

Manage your policy

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 and coverage, premium due dates, projected future values 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). 

1"Cash value" is calculated using the current assumed investment returns. It includes projected guaranteed cash value and projected special bonus which is non-guaranteed. The rate of return as shown above is therefore not guaranteed and is shown for illustration only. In this example, it is assumed that the life insured is a 35-year-old male paying an annual premium of USD40,000 for 3 years - and his return after 30 years. In conclusion, the actual cash value under the policy at a future point in time may be higher or lower than the amount quoted in this example.

The Policy Anniversary at which the Policyholder or the Life Insured is of the specified age based on age at next birthday.

After the 20th Policy Year, if there is no outstanding policy loan or premiums, you may apply to exercise this option to lock in a portion of the Net Cash Value. The amount you choose to lock in is guaranteed upon exercising the Policy Value Management Option and will be allocated to the Policy Value Management Balance to accumulate at a non-guaranteed interest rate, which will be adjusted from time to time at HSBC Life's discretion. The exercise of the Policy Value Management Option is subject to the minimum amount requirements on (i) the Net Cash Value to be allocated per transaction; and (ii) the Policy Amount after the exercise of this option. Such minimum amount requirements are determined by HSBC Life rom time to time without prior notice to Policyholder. Please refer to product brochure for details.

Each Policyholder is entitled to the change of Life Insured of Policy for one time only after the third policy year or after the end of the premium payment period provided all premiums are paid when due, whichever is later. Change of life insured is subject to evidence of insurability and approval by the Company which is based on the underwriting conditions of the Life Insured. Any such request will be assessed on case-by-case basis and is at our discretion, with consideration of multiple factors, including but not limited to the change in underlying claim risk, change in policy term, latest economic outlook; and is at our discretion.

Additional Accidental Death Benefit will terminate when the Life Insured reaches the Age2 of 80 or when the payment of this Supplementary Benefit has been paid out or the Policy is terminated (whichever is earlier). Please refer to the Policy Provisions of the Supplementary Benefits for detailed terms and conditions of coverage and exceptions.

Total Basic Plan Premium Paid refers to the total amount of premium due of the Basic Plan (whether or not actually paid) as of the date of death of the Life Insured. Please refer to the Policy Provisions for detailed terms and conditions.

Unemployment Benefit is applicable to Policyholder’s Age2 between 19 and 64 who is a holder of a Hong Kong Identity Card. This benefit will terminate when the Policyholder attains the Age2 of 65 or all due premiums have been paid or the Policy is terminated (whichever is earlier). Such benefit is not applicable to single premium policy. Please refer to the Policy Provisions of the Supplementary Benefits for detailed terms and conditions of coverage and exceptions.

If you choose to pay premiums in monthly payments mode for a Policy Year, the total premiums payable for that Policy Year will be greater than that in annual payment mode.

*To borrow or not to borrow? Borrow only if you can repay!

 

Disclaimers

HSBC Wealth Goal Insurance Plan II is a life insurance plan 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. 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 an insurance agent authorised by HSBC Life. This product is a product of HSBC Life but not HSBC and it is intended only for sale in the Hong Kong SAR. 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.

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 HSBC Life and you directly.