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Income Goal Insurance Plan II

An annuity plan that gives you a steady income stream after just 10 years.

Enjoy monthly annuity payments for 10 years

Our Income Goal Insurance Plan helps you save towards your goals with steady income for 10 years after 10 years of accumulation, all while giving you life protection.

Income Goal Insurance Plan II is underwritten by HSBC Life, the no.1 provider of new annuity business in Hong Kong[@no1annuityprovider]—we're well-placed to attend to a broad range of your retirement needs.

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

Key benefits

Steady income stream

Receive monthly annuity payments[@paymentintervals] over 10 years, plus a potential special bonus[@specialbonus] to be declared at the end of your policy term

Flexible payment options

Choose between a stream of monthly payments for financial stability, or accumulate a lump-sum amount at the end of the annuity period

Enhanced financial security

Opt to lock in a portion of your policy value with the plan's Policy Value Management Option[@policylockin2], for more financial certainty

Optional critical illness cover[@criticalillnessselect]

Get essential protection against a predefined list of critical illnesses until the age[@birthdaydefinition] of 65, available at an additional premium

Special offers— Enjoy up to 4.5% off

  • Enjoy up to 4.5% 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 Income Goal Insurance Plan II, you'll need to meet both of these requirements:

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

Income Goal Insurance Plan II is a long-term participating life insurance product with a savings element underwritten by HSBC Life (International) Limited("HSBC Life"). It is not equivalent or similar to 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 11:00am 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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    Income Goal Insurance Plan II is a long-term participating life insurance product 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 an annuity insurance plan and is not equivalent or similar to any kind of 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.