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Realise your financial goals with our all-encompassing savings and investments solutions

Savings Insurance

Whether you're looking for medical, outpatient or maternity coverage, we'll help you discover the right health insurance plan to cater to your healthcare need

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Savings Insurance Singapore | Medical Insurance | Private Healthcare Insurance | HSBC Life Singapore

(Rebranding) [prod] savings investments Category

Accelerate your financial harvest

Kickstart your investment with a 35% Start-up Bonus on your 1st year premium, and enjoy continuing rewards with a Loyalty Bonus1 of 0.15% per annum on account value from the 10th year to the end of your policy

No Account Maintenance Fee after 11 years

Your policy does not incur any Account Maintenance Fee2 after 11 years, so as you contribute more premiums and stay invested longer, your cost of investment is reduced significantly.

Transfer your plan to your loved ones

Life Replacement Option3 (LRO) gives you the flexibility to transfer your plan to your spouse or child to help your legacy planning.

Diverse funds for a bigger harvest

Invest more confidently with a wide, diverse selection of over 90 unique investment-linked sub-funds from a range of industries and geographical sectors

Get started easily

No medical checkup required. Enjoy a hassle-free application process when you sign up for this plan

To find out more, please refer to our brochure.

HSBC Life Wealth Harvest helps you grow your wealth with 100% of regular premiums invested in units. With zero account maintenance fee to policy after 11 years, your investment continues to grow in the long run, giving you a golden harvest for your future or a legacy to hand over to your loved ones.

A Regular Premium Investment-Linked Policy with 100% of regular premiums invested in units to focus on investment growth in the long run.

Key Features

Features

Life Assured: 1 month to 70 years old4

Policyholder: 18 to 99 years old4

Choose to invest in SGD or USD according to your preference

Choose to pay Annually, Semi-Annually, Quarterly or Monthly

Eligibility and Options

There will be no Loyalty Bonus given to the Policy in the subsequent twelve (12) Policy months if the Policyholder has made a Partial Withdrawal or Regular Withdrawal from Regular Premium Account. The Loyalty Bonus resumes on the 13th month following the date of Partial Withdrawal or Regular Withdrawal from Regular Premium Account.

Fund Management Fee is still payable from the assets of ILP Sub-fund after 11 years. Please note that Fund Management Fee is already accounted for in the unit price and is not an additional charge to the policy. For more information on fees and charges, please refer to product summary and fund summary.

Life Replacement Option allows the policyholder to replace the life assured with his/her spouse or child below 18 years old.

Minimum entry age: Based on attained age. 
Maximum entry age: Based on age nearest birthday.

Product T&Cs

T&Cs

Policy Information and Downloads

Downloads

We've made it easy for you to file a claim

File a Claim

Get In Touch

This plan is underwritten by HSBC Life (Singapore) Pte. Ltd. (“HSBC Life”). 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 planner 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.

Buying an Investment-Linked Policy (“ILP”) comes with investment risks, as the value of units in the ILP Sub-fund(s) and income accruing to the units, if any, may rise or fall, which may lead to possible loss of the principal amount invested.

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 planner representing HSBC Life. 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.

All information is correct as of 01 February 2023.

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A rewarding harvest, 
within reach

HSBC Life Wealth Harvest

HSBC Life Wealth Harvest is an investment plan to grow your wealth with a limited charge period of premium payments.

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HSBC Life Wealth Harvest | HSBC Life Singapore

(Rebranding) (PROD) HSBC Life Wealth Harvest

Affordable protection plan for young families

From as low as S$100 a month for the coverage against death, total and permanent disability, and terminal illness.

Personalise Your Protection to Fit Your Needs and Budget

Option to add on a wide range of supplementary benefits to enhance your protection for greater peace of mind.

Customised Investment Strategy

Access to funds from a wide selection of Asset Managers with a global presence.    

Redeem Your Investment at Any Time

Option to redeem any potential investment returns in partial withdrawals1.

Offer to increase cover at key milestones

Increase your coverage without the need for medical assessment at key life stages2 such as marriage or parenthood.

Transfer your insurance coverage to your loved one at any time

Exercise the Life Replacement Option (LRO) at any time3 to change the Life Assured to your spouse or child.

HSBC Life Flexi Protector gives your family lifetime protection, while providing the flexibility to customise your savings and investment plan to grow wealth for the family and support all your dreams.

A regular premium savings investment-linked insurance plan that focuses on your protection with the potential for wealth accumulation.

1 month old to 70 years old4
Policyholder: 18 to 70 years old4

Choose to invest in SGD or USD according to your preference    

1. Partial Withdrawal is only available for amounts of at least $250 in value provided always that the remaining Account Value is more than $2,500 (“Minimum Holding Amount”). If the Partial Withdrawal results in the remaining Account Value being lower than Minimum Holding Amount, no Partial Withdrawal is allowed and We will notify You. Partial Withdrawal is only allowed in multiples of $10.

2. The option to increase the Basic Sum Assured is available after the Policy has been in force for  at least one year from the Policy Commencement Date when the Policy is first issued and must be exercised within 90 days from the occurrence date of the significant milestone event and is subjected to terms and conditions.

3. Life Replacement Option allows the policyholder to replace the life assured with his/her spouse or child below 18 years old.

4. Minimum entry age: Based on attained age.
     Maximum entry age: Based on age nearest birthday.

File a claim

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Stay flexible, 
stay fearless

HSBC Life Flexi Protector

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HSBC Life Flexi Protector | HSBC Life Singapore

(Rebranding) (PROD) HSBC Life Flexi Protector

Start-up Bonus

Receive a start-up bonus1 of 30% of annual premium in policy year 1. With up to 200% of annual premium of 3 to 5 policy years for MIP of 30 years.

Power-up Bonus

Boost your investment with Power-up Bonus2 up to 1.3% p.a. of your account value from policy year 15

Loyalty Bonus

Be further rewarded with Loyalty Bonus3 up to 1.1% of your account value after the end of your Minimum Investment Period

Plan Flexibility

Enjoy the flexibility4 to opt for a Premium Holiday5, Premium Reduction6, Partial Withdrawal7, or even top up your premium

Free Partial Withdrawal Benefit

With the Free Partial Withdrawal Benefit8, enjoy up to seven partial withdrawals without Partial Withdrawal Charge after Initial Contribution period (ICP)

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HSBC Life Wealth Accelerate is built to reward, giving you bonuses throughout your investment horizon to boost your returns, as well as flexibility to cater to your financial goals.

An investment-linked plan that offers you 3 bonuses in your lifetime - a Start-up bonus to kick start your investment, a Power-up bonus to accelerate your investment, and a Loyalty bonus to reward you in the long run.

Life Assured: 1 month to 65 years old9

Policyholder: 18 to 99 years old9

Select the MIP (15 years, 20 years, 25 years or 30 years) at the point of application. No change of MIP is allowed once the policy is issued

From now till 31 December 2023, earn up to 8% cash rebate (capped at S$3,000) when you sign up for eligible investment-linked plans. Plus, be one of the first 30 qualifying customers to receive a 128GB iPhone 15 (worth S$1,299). Terms & conditions apply.

Promotions

HSBC Life Destination Wealth promotion Terms & Conditions.

2. Power-up Bonus - Power-up Bonuses vary in accordance to the MIP selected, and the Regular Premium selected. There will be no Power-up Bonus given to the Policy in the subsequent twelve (12) Policy months if the Policyholder has made a Partial Withdrawal, gone on Premium Holiday or done a Premium Reduction.

3. Loyalty Bonus - Power-up Bonuses vary in accordance to the MIP selected. There will be no Loyalty Bonus given to the Policy in the subsequent twelve (12) Policy months if the Policyholder has made a Partial Withdrawal.

4. Premium Allocation - Regular Premiums will be 100% allocated to the Initial Units Account (IUA) during ICP, and to the Accumulation Units Account (AUA) after ICP, at no premium charge. Recurring Single Premiums and/or Top-ups will be 100% allocated to the AUA, at no premium charge. All monies in the IUA will be subject to Account Maintenance Fee, and all monies in the AUA (including RSPs and Top-ups) will be subject to Investment Management Fee and Partial Withdrawal Charge, when applicable.

5. Premium Holiday - Premium Holidays are not allowed during the ICP. Premium Holidays starting from after ICP to end of MIP are allowed, subject to a maximum premium holiday aggregate of 84 months. Premium Holidays starting after MIP are allowed with no maximum limit. During Premium Holiday at any time, policy fees and charges will still be deducted. There is an option to backpay missed premiums.

6. Premium Reduction - Premium Reductions can be performed at any time after the ICP till the end of Policy Term, and can be reduced by a maximum of 25% of the original Regular Premium, subject to the minimum Regular Premium. A Bonus Recovery Charge applies to each Regular Premium reduction during the MIP.

7. Partial Withdrawal - Partial Withdrawals from IUA are not allowed during the MIP, and allowed after the MIP at no Partial Withdrawal Charge. Partial Withdrawals from AUA are allowed at anytime, subject to a Partial Withdrawal Charge during the MIP, and no Partial Withdrawal Charge after MIP.

8. Minimum entry age: Based on attained age.Maximum entry age: Based on age nearest birthday.

9. Each Free Partial Withdrawal is capped at two (2) times the Annualised Regular Premium applicable at point of exercise. This means if you have reduced your Annualised Regular Premium, each of your Free Partial Withdrawal amount is capped at two (2) times of the reduced Annual Regular Premium. Upon each exercise of this benefit, No Power-Up Bonus or Loyalty Bonus will be given to the Policy in the next subsequent twelve (12) Policy months.

Please refer to the product summary for more details.

HSBC Life Wealth Accelerate is underwritten by HSBC Life (Singapore) Pte. Ltd. (Reg. No. 199903512M).

This webpage contains only general information and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. This is not a contract of insurance and is not intended as an offer or recommendation to buy the product. A copy of the product summary may be obtained from our authorised product distributors. You should read the product summary, product highlights sheet(s) and fund summary before deciding whether to purchase the product and subscribe for units in the ILP sub-fund(s). You may wish to seek advice from a Financial Planner before making a commitment to purchase the product. In the event that you choose not to seek advice from a Financial Planner, you should consider whether the product in question is suitable for you. Please refer to the policy general provisions for the exact terms and conditions, specific details and exclusion of this product. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.  It is detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost. 

Policy Owners' Protection Scheme
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 LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Information is correct as at 3 July 2023.

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

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Rev up your returns

HSBC Life Wealth Accelerate

A one of a kind, newly-launched investment-linked policy that rewards you with 3 bonuses throughout your lifetime, including a Start-up Bonus, Power-up Bonus and Loyalty Bonus.

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HSBC Life Wealth Accelerate | HSBC Life Singapore

(Rebranding) (PROD) HSBC Life Wealth Accelerate

High Start-Up Bonus

Kick off your investment with a Start-up Bonus1 on your first year premium in the form of additional units attached to your investment

Rewarding you with a Loyalty Bonus2, equivalent to 4% of your total premiums contributed on the 10th policy anniversary

Enjoy the flexibility to opt for a Premium Holiday3, Premium Reduction4, Partial Withdrawal5, or even Top Up6 your premium

Boost your investments at critical points with a start-up bonus and loyalty bonus with HSBC Life Pulsar, and enjoy a wide selection of funds to secure your future.

An investment-linked plan that offers you high start-up, loyalty bonus for long-term investment, and unique fund offerings.

Life Assured7: 1 month to 70 years old8

Policyholder: 18 to 70 years old8

Select the PPT (5 or 11 to 30 years) at the point of application. No change of PPT is allowed once the policy is issued

Illustrated Account Value: S$772,137 (assuming 8% IRR^)

How Pulsar can boost your investment

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Illustration

1. Start-up Bonus is applicable to plans with PPT of 11 years or longer and is determined with reference to the annualised Regular Premium. 
Start-up Bonus = Regular Premium payment for 1st Policy Year x applicable Start-up Bonus Rate x Premium Payment Term.
Start-up Bonus is paid into the Initial Units Account. Early Encashment Charges will be applicable upon early termination.

2. One-off Loyalty Bonus at the 10th Policy Anniversary provided that the PPT is equal or more than 20 years and if Policy is in force at the material time.
Loyalty Bonus = (Total amount of Regular Premiums paid during the first 10 policy years – Total amount of partial withdrawals and/or top-ups made during the first 10 policy years [if any]) x Loyalty Bonus of 4%.
Loyalty Bonus is paid into the Initial Units Account. Early Encashment Charges will be applicable upon early termination.

3. Premium Holiday is allowed after the first 36 months for a total aggregate of:
(i) 36 months throughout the PPT of 5 years, and
(ii) 60 months throughout the PPT of 11 years and above.
Premium Holiday starting after PPT is allowed with no maximum limit. During Premium Holiday at any time, policy fees and charges will still be deducted.

4. Allowed after the first 36 months. Maximum reduction up to 25% of original regular premium, not lower than the minimum regular premium allowed.

5. Not allowed in the first 18 months. Minimum per withdrawal SGD 1,000/ USD 500
During PPT: Can be made from Accumulation Units Account only
After PPT: Can be made from either Initial Units Account or Accumulation Units Account and subject to Minimum Account Balance of SGD / USD 3,600

6. Minimum SGD 5,000 or USD 3,000, subject to 5% premium charge from 19th month onwards.

7. Subject to (Premium Payment Term + Entry Age) ≤  75 years.

8. Minimum entry age: Based on age nearest birthday.
Maximum entry age: Based on age nearest birthday.

HSBC Life Pulsar is underwritten by HSBC Life (Singapore) Pte. Ltd. (Reg. No. 199903512M).

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Empower your future

Pulsar

HSBC Life Pulsar is a Savings & Investments plan with what you need to make your goals happen. Features include a start-up bonus, unique fund offerings and a loyalty bonus.

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Pulsar | HSBC Life Singapore

(Rebranding) (PROD) Pulsar

Flexible premium payment options

Choose to invest using your cash, Supplementary Retirement Scheme (SRS), Central Provident Fund (CPF) Ordinary Account (CPF-OA) or CPF Special Account (CPF-SA) monies

Wide Range of Investment Options

Invest in our range of professionally managed investment subfunds according to your risk profile. HSBC Life Wealth Invest (Cash/SRS) customers are entitled to a wider range of close to one hundred available funds

Flexible Investment Opportunities

Adapt to varying market conditions with unlimited free fund switches1and withdrawals2. You also have the option to do ad hoc top-ups or recurring single premiums into your policy

Guaranteed Issuance

Enjoy hassle-free policy application without the need to go through medical check-ups or examination prior to the issuance of policy

Free and Guaranteed Life Coverage

Ensure peace of mind through financial protection for your family in an unfortunate event of death3 or terminal illness

Creating a plan for your future is never easy. It is important to have flexibility while growing your wealth.

With HSBC Life Wealth Invest (Cash/SRS) or HSBC Life Wealth Invest (CPF), you can invest in a wide range of funds managed by established fund managers and receive death coverage without interruption to your wealth accumulation plan.

What is Covered

CASH:
Life Assured: 1 month old to 60 years old4
Policyholder: 18 to 60 years old4

SRS: 
Life Assured: 21 to 58 years old4
Policyholder: 21 to 58 years old4

HSBC LIFE WEALTH INVEST CPF: 
Life Assured: 21 to 58 years old4
Policyholder: 21 to 58 years old4

Whole of life (till age 99)4 coverage against death and terminal illness, for as long the policy is in-force

The minimum switching amount is the lower of S$1,000 or 100% of the value of the original fund. Switching should not result in any of the original funds or the new funds falling below the minimum holding amount of S$1,000. We reserve the right to impose a switching fee by giving the Policyholder one month’s written notice.

The minimum withdrawal amount is S$1,000. Should the withdrawal result in the policy falling below the minimum policy value of S$10,000, the policy will be considered a full surrender.

Receive death benefit at a minimum of 101% of the total premiums you have invested. You are protected against investment losses upon death and terminal illness (TI), regardless of your policy performance. Total premiums refer to the initial single premium plus any recurring single premiums paid to date, top-ups, and less any partial withdrawals. Any overdue Policy charges (if applicable) will be deducted from the Death Benefit payable under the Policy.

T&C's

This plan is underwritten by HSBC Life (Singapore) Pte. Ltd. (“HSBC Life”). 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 planner 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. 

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Build and protect your dreams

HSBC Life Wealth Invest

With HSBC Life Wealth Invest (Cash/SRS), you can plan for your future or retirement by having enough finances and protection for loved ones.

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HSBC Life Wealth Invest | HSBC Life Singapore

(Rebranding) (PROD) HSBC Life Wealth Invest

Designed to make your investment grow at its highest potential to bring you closer to your financial goals

·         As low as 2.1% p.a. of account maintenance fee1, with 100% of your monthly regular premiums going directly into funds of your choice, optimising your return.

·         Exclusive access to over 80 world-class funds 

·         Opportunity to create additional income streams by investing in dividend-paying funds

Earn attractive bonuses throughout your investment journey to boost your account value

·         Kick-start your journey with a start-up bonus2 of up to 12% p.a. of your first year regular premium(s)

·         Receive monthly power-up bonus2 of 0.1% p.a. based on the prevailing value of Regular Premium Account from 5th year onwards until the end of the minimum investment period

·         Further boost your wealth with a loyalty bonus2 of 0.3% p.a. based on the prevailing value of the Regular Premium Account after the end of the minimum investment period3

Limited commitment with just 10 years Minimum Investment Period (MIP)

Enjoy flexibility that caters to your unique financial needs

Hassle-free application requiring no medical examination

Grow your wealth with flexibility and confidence.

Are you looking to grow your wealth through investments to confidently meet your financial goals while protecting yourself and your loved ones?

HSBC Life Wealth Abundance, an investment-linked insurance plan that protects you while giving you the flexibility to diversify and boost your wealth through a choice of over 80 world-class funds. Together with the flexibility of unlimited fund switching and low account maintenance fees, watch your premiums help grow your wealth from day one, earning attractive bonuses along the way.

The account maintenance fee is 2.1% p.a. of the account value of the Regular Premium Account during MIP and 0.6 % p.a. of the account value of the Regular Premium Account after MIP. It is charged on a monthly basis from the account value of the Regular Premium Account by deduction of units from the Regular Premium Account during the policy term. 

 Terms and conditions apply. Start-up, power-up and loyalty bonuses are applicable to Regular Premium Account only. Please refer to product summary for details. 

 The Minimum Investment Period (MIP) for this plan is 10 years. The premium term of this plan is until age 99 of the life assured. Policyowner has the option to apply for unlimited premium holiday after MIP and the applicable policy charges will be deducted from the respective account value.

Terms and conditions apply. Please refer to product summary for details. 

HSBC Life Wealth Abundance is underwritten by HSBC Life (Singapore) Pte. Ltd. (Reg. No. 199903512M).

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HSBC Life Wealth Harvest

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Pulsar

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HSBC Life Wealth Invest

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HSBC Life Wealth Abundance

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