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Excess capital will accumulate gradually as your business grows. It is time to consider the preservation and growth of your capital.
HSBC Luminous Global Insurance Plan and Premium Discount Offer
This plan is a flexible saving insurance solution that fits your various business goals-whether you are planning for continued income, funding talent retention or preparing to pass on your business wealth across generations. With built-in Currency Diversification Option1 and flexible legacy-planning options, it gives you the flexibility to determine how and when your wealth is distributed to your designated successor—so you can protect what you’ve built and plan ahead with confidence.
From now until 30 September 2026, enjoy premium discount over the first 2 years as follows:
- 1st policy year: up to 8% off
- 2nd policy year: up to 23% off
Entity policyholders holding an in-force Life or Group Medical Insurance Policy/ Group Life Policy issued by HSBC Life are eligible for an additional discount*. Check out the product details here.
*Terms and Conditions apply. Underwritten by HSBC Life (International) Limited.
1. You may exercise the Currency Diversification Option, starting from the 5th policy anniversary or once the policy becomes fully paid after the end of premium payment period (whichever is later). Please refer to policy provisions and product brochure for details.
HSBC Luminous Global is a long-term participating life insurance product that includes a savings element. A portion of the premium covers the insurance and related costs. It is important to note that this product is not equivalent to or similar to any bank deposit. Please refer to the product brochure for detailed features and the policy provisions for the detailed terms and conditions.
Features and benefits
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Important Notes:
- All life insurance products are underwritten by HSBC Life (International) Limited.
- HSBC Life (International) Limited is authorised and regulated by the Insurance Authority.
- The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agency of HSBC Life for the distribution of life insurance products in the Hong Kong SAR.
- 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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