Whole of life coverage

Coverage for death and terminal illness, up to age 99.

Replacement of life insured

Option to replace the life insured when the need arises, for both corporate and individual policies1.

Quit smoking incentive to help you live healthier

5% of the single premium paid will be refunded to you when the life insured quits smoking anytime2 within the first 4 policy years.

Choice of currency

AXA Insurance Pte Ltd (AXA Insurance) is now part of HSBC Group.

Grow a legacy that lead your loved ones to greater things.

Your legacy is much more than the wealth you leave behind for your family. We are here to help you grow your legacy and ensure your plans for your loved ones are taken care of, and lead them to greater success with financial assurance and support.

Grow your legacy with HSBC Life Emerald Legacy Life III - a single premium whole life plan. So you can rest assured that your wealth is preserved for your family or passed on for many more generations to come.

Key Features

Features

Get higher guaranteed coverage with added flexibility through Minimum Protection Cover (MPC) option, up to age 85 or 993. Whether it's maintaining the same coverage at 100% or reducing it to 80%, you can extend your MPC to age 99 with Life Extender Booster at the point of application, every 5th policy anniversary or after any life event before age 704.

Secure your legacy without locking up your wealth. Your policy has cash value equivalent to 82% of single premium paid on Day 1. In addition, you can accumulate policy cash value with non-guaranteed Reversionary Bonus5 and Terminal Bonus6, which may be declared from time to time.

Unique Benefits

Policy information and Downloads

Downloads

Please refer to Product Summary for more information.

A Quit Smoking Declaration Form will need to be submitted for our underwritting assessment during your application. Please refer to the Product Summary for the complete terms and conditions relating to this incentive.

MPC option up to age 85 is available for USD. MPC option up to age 85 or 99 is available for SGD.

Only applicable if MPC to Age 85 is selected.  Please refer to Product Summary for details and conditions to extend the Minimum Protection Period.

Reversionary Bonus is not guaranteed but once declared, it forms part of the guaranteed benefits of your policy.

Terminal Bonus is not guaranteed and may be paid in addition to the reversionary bonus upon surrender, death or maturity of the policy. The rate of terminal bonus is based on a percentage of the reversionary bonus accumulated under the policy.

Product Terms and conditions

T&Cs

This plan is underwritten by HSBC Insurance (Singapore) Pte. Limited (Reg. No. 195400150N). This advertisement is not a contract of insurance and not for use outside Singapore. The precise terms and conditions are specified in the policy contract.

This advertisement is for your information only and does not have any regard to your specific investment objectives, financial situation or particular needs. You may wish to seek advice from a financial consultant before making a commitment to buy the product, and if you choose not to seek advice, you should consider whether the product is suitable for you.

Buying a life insurance policy is a long-term commitment. An early termination usually involves high costs and the surrender value payable may be less than the total premiums paid.

A Product Summary with details on product features and charges and a Product Highlights Sheet in relation to the ILP Sub-fund(s) are available and may be obtained from a financial consultant representing AXA. You should read them before deciding whether to subscribe for units in the ILP Sub-fund(s).

This Policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for Your Policy is automatic and no further action is required from You. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Us or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

HSBC Life Emerald Legacy Life III

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