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HSBC Infinite Wealth Insurance Plan

Enjoy long-term growth potential with flexible options for legacy planning with our single-premium life insurance plan.

One choice unlocks endless legacy possibilities

Our HSBC Infinite Wealth Insurance Plan helps you grow your money over time, while protecting your future. Build on your financial success today to create a brighter and stable future for your loved ones.

Want to know what's best for your insurance needs? Get tailored guidance from our Insurance Specialists today.

Key benefits

Grow your money over time

Enjoy a guaranteed cash value starting at 85% of the premiums you paid[@insurance-iwip-capitalgrowth], plus a potential special bonus[@insurance-iwip-specialbonus].

Enhanced financial security

Lock in a portion of your policy value with our Policy Value Management Option[@insurance-policyvaluemanagement].

Flexible withdrawals

Start making withdrawals[@insurance-iwip-indebtedness], either monthly or annually, from the 3rd policy anniversary onwards for extra liquidity.

Build a legacy of wealth

Take advantage of our enhanced Policy Split Option and Legacy Split Option[@insurance-iwip-legacysplit], or name a Contingent Policyholder, Contingent Life Insured or Contingent Guardian[@insurance-iwip-contingentguardian], to ensure your policy – and your wealth – is passed on per your wishes.

Special offers — Enjoy up to 6% off

  • Enjoy up to 6% off your single premium plus an additional 0.15% off for select customers. T&Cs apply (PDF).
  • Enjoy preferential interest rate on time deposit when you successfully apply for this plan. T&Cs apply (PDF).

How to apply

Eligibility

To apply for our Infinite Wealth Insurance Plan, you'll need to meet both of these requirements:

  • The insured person must be aged[@birthdaydefinition] between 15 days after birth and 75 years
  • The insured person must meet our criteria for nationality (country/region/territory), address and residency – which are subject to change from time to time

The HSBC Infinite Wealth Insurance Plan is a whole 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

HSBC One customer

As an HSBC bank account holder, you can choose to meet our insurance specialists, either face-to-face or via online video. We’re here to provide personalised advice and support tailored to your needs.

Not an HSBC bank account holder yet? Open an account now via HSBC HK App.

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

Can you summarise the plan for me? 

Are any additional benefits included in this policy? 

How will the death benefit be settled? 

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

Notes

    The products and services represented within this website are intended for Hong Kong customers only. If you're outside Hong Kong, we may not be authorised to offer or provide you with the products and services available through this website in the country or region you are located or resident in. This website is not intended for distribution or for use by any person in any jurisdiction, or country or region where the distribution or use of this material is restricted and would not be permitted by law or regulations.

    Disclaimer 

    HSBC Infinite Wealth Insurance Plan is a whole 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 a trust. HSBC Life has no fiduciary or trustee obligations and does not act as a trustee, fiduciary or in any executor capacity. 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 insurance agent authorised by HSBC Life. This product is a product of HSBC Life but not HSBC and it is intended only for sale through HSBC 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.