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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

Guaranteed cash payout

Receive a steady stream of guaranteed cash payout for up to 5.50%1 of the sum assured or accumulate the payouts to receive higher lump sum at the end of the policy term

Flexible policy term

Protection coverage against uncertainties

Provides coverage for death and Terminal Illness2

Guaranteed issuance upon application

Hassle free application with no medical underwriting required3

Extra protection to prevent disruption to your endowment plan

Optional premium waiver riders are available to prevent undue worry in the event of disability or critical illness3

To find out more, please refer to our brochure.

Save for your goals in life such as getting a postgraduate degree or going on an occasional rewarding holiday, while enjoying the freedom to withdraw cash when the need arises.

HSBC Life SavvySaver (II) is a flexible endowment plan that offers guaranteed cash payouts to meet your goals from as low as S$100/month.

Key Features

Features

Life Assured: 1 month to 60 years old4

Policyholder: 18 to 99 years old4

Eligibility and Options

In the event of critical illness or total and permanent disability (on and before age 70) of the Life Assured, future premiums of the basic policy will be waived.

PremiumEraser Total

Add-Ons to Consider

Add-Ons

In the event of death or total and permanent disability (before age 65) of the Payer, future premiums of the basic policy will be waived up to the Premium Expiry Date of the basic policy or the policy anniversary at which the Payer is age 65, whichever is earlier.

Smart Payer PremiumEraser

In the event of death or total and permanent disability (before age 65) or critical illness of the Payer, future premiums of the basic policy will be waived up to the Premium Expiry Date of the basic policy or the policy anniversary at which the Payer is age 65, whichever is earlier.

Smart Payer PremiumEraser Plus

Age 25, signs up for HSBC Life SavvySaver (II)

Accumulates annual guaranteed cash payout1 of S$2,175 starting from the end of the 2nd policy year and earn a higher amount with non-guaranteed interest rate5

Partial withdraw6 moneys for her holiday trip to Europe

Policy matures and she receives payout for her children's education 

Illustrative example on How HSBC Life SavvySaver (II) can help you achieve your goals

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Illustration

1. For policy term 15 and 18 years, the guaranteed cash payout is 5.00% of HSBC Life SavvySaver (II) sum assured. For policy term 21 and 24 years, the guaranteed cash payout is 5.50% of HSBC Life SavvySaver (II) sum assured. The guaranteed cash payout is payable every year from the end of the second policy year until the year preceding maturity.

2. HSBC Life SavvySaver (II) is an endowment plan with benefits that add to your peace of mind. In the unfortunate event of Death or Terminal Illness (subject to exclusions), you will receive the following:

      i) 101% of total premium paid on the basic plan; or

(b) accumulated guaranteed cash payouts with non-guaranteed interest (if any); and 

3. HSBC Life SavvySaver (II) is a guaranteed issuance offer plan. Optional riders will be subject to underwriting.

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

5. Accumulation interest rates may vary over time.

6. Minimum withdrawal limit is equivalent to one (1) guaranteed cash payout for your policy. Yearly cash payout previously withdrawn cannot be deposited back with HSBC Life. 

7. Under the withdrawals scenario, the non-guaranteed bonus is based on an illustrated investment rate of return of 4.25% per annum. For an illustrated investment rate of return of 3.00%, the non-guaranteed bonus is S$14,136, the total illustrated maturity benefit is S$45,290.

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

The 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. 

A Product Summary is available and may be obtained from a financial planner representing HSBC Life. You should read it before deciding whether to purchase the policy.

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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Achieve your life goals, your way

HSBC Life SavvySaver (II)

HSBC Life SavvySaver (II) is a best insurance savings plan in Singapore that gives you flexible saving options with annual guaranteed cash payout that helps you save and spend for your different goals in life.

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HSBC Life SavvySaver (II) | Best Insurance Savings Plan Singapore | HSBC Life Singapore

(Rebranding) (PROD) HSBC Life SavvySaver (II)

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

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.

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

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.

File a Claim

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.

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).

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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.

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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

200% Start up Bonus

Accelerate your investment with Start-up Bonus1 up to 200% of your regular premium

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 70 years old9

Policyholder: 18 to 99 years old9

Select the MIP (10 years, 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

Start-up Bonus - Start-up Bonuses vary in accordance to the MIP selected.

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.

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.

Premium Allocation - Regular Premiums will be 100% allocated to the IUA during ICP, and to the 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 AMF, and all monies in the AUA (including RSPs and Top-ups) will be subject to IMF and PWC, when applicable.

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.

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.

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.

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

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.

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. 

 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

Pulsar boost your investments at critical points with a Start-up Bonus and Loyalty Bonus, and enjoy a wide selection of funds to secure your future.

An investment-linked plan that offers you high Start-up Bonus, 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 - 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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1. Start-up Bonus is applicable to plans with PPT of 10 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 to 9 years, and
(ii) 60 months throughout the PPT of 10 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, floored at the Minimum Regular 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.

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. Past performance figures shown are not indicative of future performance.

All information is correct as of 01 February 2023. 

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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

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.

Savings Insurance

Savings & Investments

HSBC Life SavvySaver (II)

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

HSBC Life Wealth Harvest

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

HSBC Life Flexi Protector

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

HSBC Life Wealth Accelerate

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

Pulsar

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

HSBC Life Wealth Invest

Annual Coverage Limit

Eligibility

Area of Coverage

Key Features

Get in Touch

Keep In Touch

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Others

Keep In Touch

HSBC Life & You

Others

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