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

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.

Key Features

Features

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

Choose to invest in SGD or USD according to your preference

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

Eligibility and Options

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.

Product T&Cs

T&Cs

Policy Information and Downloads

Downloads

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

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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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.

Pulsar

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