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 with enhancement of your protection for the first 20 years, allowing you to set sail in security throughout various stages of life.
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. Your children will also be covered by Cancer (Advance Payment) Benefit 5
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 One and other customers
Book an appointment online or via (852) 2233 3130*.
HSBC Jade and Premier customers
Contact your Relationship Manager
*(Monday to Friday from 11:00am to 7:30pm except public holidays)
Earn up to an extra $3,000 RewardCash!
Pay new policy’s premium to HSBC Life with HSBC Premier Mastercard® Credit Card* to enjoy the offer.
Offer ends 30 June 2021. T&C apply
Get up to 10% off your first-year premium.
Offer ends 30 June 2021. T&C apply
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.
【Special Benefits for COVID-19】
We promise to help protect you and your family in times of need. Because of the COVID-19 outbreak, we’re extending a complimentary special benefit to existing and new policyholders, as well as their partners and children. There are no limitations or special requirements on age or premium amount.See benefits details
See how HSBC Family Goal benefits Aaron
|For premium payment period of||Issue age4|
|5/10 years||19 to 55|
|15 years||19 to 50|
|20 years||19 to 45|
With just a few simple steps, you can set up a video-enabled meeting via Zoom on your computer or mobile device to discuss the Health Goal Insurance Plan with an HSBC Relationship Manager or an Insurance Specialist.
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
An opportunity for long-term capital growth while enjoying life protection, with the option to transfer your plan according to your wishes.
Apply online and tailor this term life plan to meet your needs. Get life coverage of up to HKD7,000,000#, plus additional benefits of your choice.
The above plans are life insurance plan underwritten by HSBC Life (International) Limited. Policyholders are subject to the credit risk of HSBC Life and early surrender loss.
#Note: The total sum insured of all the pending and in-force applications or policies issued under HSBC Life (International) Limited ('HSBC Life') for each life insured subject to the simplified underwriting requirements shall not exceed HKD7,000,000 (for life insured aged 50 or below) or HKD3,500,000 (for life insured aged 51 or above). Please note, age refers to the age you'll be on your next birthday. The death benefit equals to the sum insured less outstanding premiums (if any). HSBC Life reserves the right to accept or reject any applications for the plan based on the information provided by the life insured during their application.
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.
*To borrow or not to borrow? Borrow only if you can repay!