Where life protection and potential wealth growth may meet
3 levels of sum insured[@insurance-suminsured1]
Choose from 3 levels of sum insured[@insurance-suminsured1]-150%, 200%, 250% of the total premium payable[@insurance-totalpremiumpayable] with option to change[@insurance-suminsured2] any time after the 1st policy anniversary (applicable for insured person who is aged[@insurance-agedefinition] 65 or below)
Guaranteed coverage privilege[@insurance-guaranteedcoverage]
Your policy will stay in force until the policy anniversary immediately after the insured person reaches the end of age[@insurance-agedefinition] 65, as long as they meet specified conditions[@insurance-guaranteedcoverage]
A variety of investment choices
Select from our wide range of investment choices, switch them any time at no cost. You can also opt in to our Risk Matching and De-Risking Service for de-risking measures in preparation for retirement. See investment performance
Get rewarded on the last day of the 5th policy year and the last day of every policy year thereafter while the policy is in effect, on a tiered basis, subject to terms and conditions
For details, please refer to "Death benefit", "Guaranteed coverage privilege", "Variety of investment choices for your selection", "Loyalty bonus" under Section A –Plan features in the product brochure of the offering documents. To learn more about the investment choices and the Risk Matching and De-risking Service, please refer to the investment choice brochure of the offering documents.
Enjoy premium discount when you apply for this plan
Get a discount on your premium when you apply for this plan. Offer ends 31 March 2023.
Fees and charges
What you need to be aware of
How to apply
HSBC Wealth Select Protection Linked Plan is an investment-linked assurance scheme, is a life insurance policy issued by HSBC Life (International) Limited ("HSBC Life"). This is not a fund authorised by the Securities and Futures Commission ("SFC") pursuant to the Code on Unit Trusts and Mutual Funds ("UT Code"). This is also not a bank deposit or bank savings plan. Policyholders are subject to the credit risk of HSBC Life and early surrender loss.
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Can I make a partial withdrawal or top up the plan?
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How much can I get back if I surrender the policy?
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Investment involves risk. Please refer to the product brochure in the offering documents for details including the risk factors. You should only invest in this plan if you intend to pay the premium for the whole of premium payment term. Should you terminate this policy early or cease paying premiums early, you may suffer a significant loss. Your policy may be terminated if the account value is insufficient to pay the fees and charges.
HSBC Wealth Select Protection Linked Plan is an investment-linked assurance scheme, which is an insurance policy issued by HSBC Life (International) Limited ("HSBC Life"). HSBC Life is authorised and regulated by the Insurance Authority ("IA") to carry on long-term insurance business in the Hong Kong SAR. This plan is not a bank deposit or bank savings plan. Please refer to the product offering documents 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, it is underwritten by HSBC Life and 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.
HSBC Life is subject to the prudential regulation of the IA and this plan has been authorised by the SFC. Such authorisation does not imply official recommendation or endorsement of this plan nor does it guarantee the commercial merits of the plan or its performance. It does not mean this plan is suitable for all investors nor is it an endorsement of its suitability for any particular investor or class of investors.
The SFC does not take any responsibility for the contents of the offering documents of this plan, makes no representation as to its accuracy or completeness, expressly disclaims any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of the offering documents of this plan.
Issued by HSBC Life (International) Limited (Incorporated in Bermuda with limited liability)