Capital Preservation and Accumulation

Product highlights

Excess capital will accumulate gradually as your business grows. It is time to consider the preservation and growth of your capital.

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Ensure the continuity of your business and its capacity to thrive and adapt via the smart allocation of your wealth, maximise the benefits from your assets so the next generation may prosper.

Features and benefits

Legacy Planning

  • Long-term financial security and liquidity to protect you and your heirs.
  • Insurance plans with attractive product features such as guaranteed minimum credit rates, various underwriting classes, multiple currencies and currency switch options, and guaranteed interest rate lock.*
  • Life insurance policy can be owned by a trust depending on plan features, so trust beneficiaries can enjoy the benefits of owning assets without the burden of outright ownership.
  • Professional asset management.

* Insurance product features vary amongst plans and are subject to underwriting approval. You are recommended to seek advice from your Relationship Manager or legal advisor.

Business Succession

  • Ensure transfer of your business to co-owners, family members or key employees of your choice.
  • Identify an interested business buyer and set a fair price for your business before you pass away.
  • Provide liquidity for your family.
  • Improve the business’ stability and minimise credit risks with a business continuation plan.

Important Notes:

  1. All life insurance products are underwritten by HSBC Life (International) Limited.
  2. HSBC Life (International) Limited is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR.
  3. The Hongkong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Life (International) Limited.
  4. The information shown on this page is general advice only and is not intended to constitute a recommendation or advice to any prospective customer and is not intended as a substitute for professional advice. All prospective customers and readers should not act on any information on this page without seeking specific professional advice.

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