As we evolve from starting and raising our families to exploring the new horizons of our senior years, each stage of life presents its own needs and burdens.
HSBC Family Goal Insurance Plan is a 3-in-1 solution that offers peace of mind with: (1) life protection throughout various stages of life; supplemented by (2) living benefits to protect yourself and loved ones against unforeseen events such as illness and unemployment, and (3) untapped saving appreciation for a fulfilling retirement age.
Access to HSBC Life exclusive DNA test to learn about your disposition towards stress and sleep, health risks, dietary sensitivities, and more.
Moreover, activate your ONEdna+ Kit to receive a complimentary cash coupon.Learn more
Safeguard your loved ones with life protection
Be insured against life’s unforeseen events by Cancer and Disability (Advance Payment) Benefit1, Terminal Illness2 and Unemployment benefit3 with no additional premiums required
Enjoy the hassle-free senior years with potential growth in policy value with a choice to exercise the Policy Value Management Option7,10 to lock in part of the policy value for wealth preservation and financial certainty.
HSBC Family Goal Insurance Plan is a whole life insurance plan with a savings element. It’s not equivalent or similar to any kind of deposit, and is underwritten by HSBC Life (International) Limited.
See how HSBC Family Goal benefits Aaron
Understand ONEdna+ and how it benefits our customers.
|For premium payment period of||Issue age4|
|5/10 years||19 to 55|
|15 years||19 to 50|
|20 years||19 to 45|
HSBC Family Goal Insurance Plan Product Brochure (PDF, 342KB)
See product summary, important notes and key risks of Family Goal in the Product Brochure
Policy dividend for Participating Products (PDF, 316KB)
See more details about participating policy
Sometimes life doesn’t go according to plan and you’ll want to make an insurance claim as soon as possible.
Simply call our Tele-Consultants at (852) 31280122 who will assist you in preparing your relevant claim request(s).Learn More
There is a 30-day grace period for premium payments that are due. If you cannot make the payment by the end of the grace period, your policy will immediately lapse with effect from the due date of the first unpaid premium unless an automatic premium loan equivalent to the amount of the unpaid premium is in effect and provided that the Non-forfeiture Value is greater than the amount of the relevant unpaid premium. Interest will apply on the principal of all policy loans (including any automatic premium loan) made under the policy and you will be advised of such rate of interest at that time, which may be adjusted by the Company at its discretion from time to time. If the policy lapses, any net cash value as at the first unpaid premium due date will be paid to you.
Note: Non-forfeiture Value means the net cash value calculated as at the date immediately preceding the due date of the relevant unpaid premium.
Policy Value Management Option7,10 may be exercised when all of the following three conditions are met:
(i) Your policy has been in force for 20 policy years or longer;
(ii) All premiums have been paid when due; and
(iii) There is no indebtedness8 (including policy loans, interests and unpaid premium due) under your policy.
The amount of any potential Special Bonus will be determined by us when it becomes payable. We will pay the Special Bonus (if any) to you or your beneficiary(ies) when you fully or partially surrender9 or terminate your policy, when your policy matures or discontinues, or when we pay out the Death Benefit, or the Cancer and Disability (Advance Payment) Benefit1, or the Terminal Illness Benefit2.
Upon exercising the Policy Value Management Option7,10, a portion of the guaranteed cash value and Special Bonus (if any) will be allocated to the Policy Value Management Balance10 to accumulate with interest.
The Company will provide updates on the amount of the Special Bonus, if any, on your annual statement of each policy anniversary. Such amounts shown on your annual statement(s) may be higher or lower than those illustrated on the benefit illustration at the point of sale. The actual future amounts of Special Bonus may be higher or lower than the amounts illustrated in the policy benefit illustration attached to your annual statement(s).
The surrender benefit will be equal to guaranteed cash value plus:
Note: In the event that you have to fully or partially surrender your policy in the early years, you may receive an amount significantly less than the premiums paid.
The above information is intended as a general summary. Please refer to the Policy Provisions for exact terms and conditions and details of the exclusions.