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

Loyalty bonus

Rewarding you with a loyalty bonus2, equivalent to 4% of your total premiums contributed on the 10th policy anniversary

Plan flexibility

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.

Key Features

Features

Life assured7: 1 month to 64 years old8

Policyholder: 18 to 70 years old8

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

Choose to invest in SGD or USD according to your preference

Choose to pay annually, semi-annually, quarterly or monthly

Eligibility and Options

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.

Illustrated account value: S$772,137 (assuming 8% IRR^)

How HSBC Life Pulsar can boost your investment

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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 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 S$1,000 or US$500
During PPT: Can be made from accumulation units account only
After PPT: Can be made from either initial units account or accumulation units account and subject to minimum account balance of SG$ or US$ 3,600

6. Minimum SG$5,000 or US$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.

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

HSBC Life Pulsar 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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Empower your future

HSBC Life 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.

HSBC Life Pulsar

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