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HSBC Ultra Wealth Goal Insurance Plan

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

Enrich your wealth with comprehensive life cover

Our HSBC Ultra Wealth Goal Insurance Plan lets you enrich your wealth with long-term growth potential while safeguarding you with comprehensive life protection, giving you confidence to pursue new ambitions.

HSBC Premier Elite or Premier customer can contact your Premier Elite Director or Relationship Manager to learn more.

Key benefits

Grow your money over time

Opportunity for long-term capital growth with a guaranteed cash value at 85% of the premium you paid during the early years[@earlyyears] 

Long-term life protection

Get covered for life protection up to age[@birthdaydefinition] 99

Enhanced financial security

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

Pass your wealth through generations

A chance to transfer the coverage to your loved ones[@changeoflifeinsured] with policy split option[@policysplitoption] or change of life insured. In case of juvenile policy, you can nominate a contingent policyholder[@contingentpolicyholder] so that the policy can be managed by someone you trust.

Special offers — Enjoy up to 5.15% off

  • Enjoy up to 5.15% off your single 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 Ultra Wealth Goal Insurance, you'll need to meet both of these requirements:

  • the insured person is aged[@birthdaydefinition] between 15 days after birth and 70 years
  • meet our criteria for nationality (country/region/territory), address and residency – which are subject to change from time to time


The HSBC Ultra Wealth Goal 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 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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    HSBC Ultra Wealth Goal 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 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 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.