HSBC Wealth Goal Insurance Plan II

Product highlights

Our long-term wealth growth solution may help you to retain talented employees and aim to support the continued success of your business.

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+852 2748 8238

Please contact your Relationship Manager or Insurance Sales Manager for further details.

Rewarding your employees is vital to your business success

Successful companies understand and value their employees. With HSBC Wealth Goal Insurance Plan II, you may offer long-term wealth growth potential and life protection for your employees as an appreciation, which may also potentially help your company to increase productivity.

Exclusive offer

From now to 31 March 2022, HSBC Commercial Banking customers who have successfully applied for the HSBC Wealth Goal Insurance Plan II can enjoy up to 10% discount on the first year premium* of the plan.

*Please refer to “General Terms and Conditions” for details of the offers.

Key features and benefits

Potential Wealth Growth

  • An opportunity for long-term wealth growth
  • Policy Value Management Option is provided for companies to protect the prevailing policy value against future market fluctuations.

Flexibility in changes of life insured

  • Policyholder can change the life insured up to three times after the 3rd policy year or after the premium payment period (whichever is later).

Life Cover1

  • The beneficiary(ies) will receive the Death Benefit in the unfortunate event of death of the life insured.

Settlement Flexibility

  • 2 Death Benefit Settlement Options are offered
  • Death Benefit will be paid to the beneficiary(ies) in accordance with the selected settlement option.

Extra Protection

  • Additional Accidental Death Benefit is embedded in the basic plan of the Policy
  • If the death of the life insured results from an accident before the end of the policy term or the age2 of 80 (whichever is earlier), an additional 30% of the Total Basic Plan Premium Paid3 will be paid to the beneficiary(ies).

Please see product summary, important notes and key risks in the product brochure.

For more details about participating policy, please refer to policy dividend leaflet for participating products.

More information

We are here to support you to protect your business. Please contact your Relationship Manager, Insurance Sales Manager or visit HSBC Business Centre for further details.

Notes

  1. If the life insured commits suicide, whether sane or insane, within one year of the issue date or from the effective date of reinstatement, whichever is later, the death benefit payable under policyholder’s policy will be limited to the refund of the amount of premiums policyholder paid to us less any amount we paid to the policyholder and/or the beneficiary(ies) since the policy date. Please refer to Policy Provisions of the Basic Plan for detailed terms and conditions.
  2. The Policy Anniversary at which the life insured reaches the specified age based on age at next birthday.
  3. Total Basic Plan Premium Paid refers to the total amount of premium due under the Basic Plan (whether or not actually paid) as of the date of death of the life insured. Please refer to the Policy Provisions for detailed terms and conditions.

Disclaimer

HSBC Life (International) Limited (“the Company”, “we” or “us”) is incorporated in Bermuda with limited liability, and is one of the HSBC Group’s insurance underwriting subsidiaries.

Hong Kong Special Administrative Region office

18/F, Tower 1, HSBC Centre, 1 Sham Mong Road, Kowloon, Hong Kong

The Company is authorised and regulated by the Insurance Authority (IA) to carry on long-term insurance business in the Hong Kong Special Administrative Region.

The Hongkong and Shanghai Banking Corporation Limited (“HSBC”) is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agency of the Company for the distribution of life insurance products in the Hong Kong Special Administrative Region. HSBC Wealth Goal Insurance Plan II is a product of the Company but not HSBC, underwritten by the Company and it is only intended for sale through HSBC in the Hong Kong Special Administrative Region.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between HSBC and the HSBC Commercial Banking Customer out of the selling process or processing of the related transaction, HSBC is required to enter into a Financial Dispute Resolution Scheme process with the HSBC Commercial Banking Customer; however, any dispute over the contractual terms of the above insurance product should be resolved between the Company and the HSBC Commercial Banking Customer directly.

The Company accepts full responsibility for the accuracy of the information contained in this webpage and confirms, having made all reasonable enquiries, that to the best of its knowledge and belief, there is no omission which would make any statement therein misleading.

HSBC Wealth Goal Insurance Plan II provides guaranteed cash value and non-guaranteed special bonus. The amount of any potential special bonus will be determined by the Company when it becomes payable. If the policyholder discontinues and/or surrenders the policy in the early policy years, the amount of the policy values or benefits which may be payable to the policyholder may be considerably less than the total premiums paid.

HSBC Wealth Goal Insurance Plan II is a long-term participating life insurance product with a savings element. It is not equivalent or similar to any kind of bank deposit.

HSBC Wealth Goal Insurance Plan II is an insurance policy issued by the Company. The policyholder is subject to the credit risk of the Company. The premiums paid will form part of the Company’s assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.

This webpage contains general information only. It does not constitute any offer for any insurance product. For product details, terms, conditions and exclusions, please refer to the relevant policy contracts, product brochures and proposals.

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