How to secure wealth that lasts for generations

August 2025

4 mins

In EP2 of the Life Wisdom Show, we explore how we can break the curse of "wealth doesn't last beyond three generations"? What happens to your assets if you unexpectedly pass away? Everyone needs a will? What are the legacy planning tools? Join us as we consult a leading expert on how modern insurance solutions can help preserve your legacy for future generations.

Video highlights:

Life insurance offers speed and simplicity, allowing beneficiaries to quickly claim a lump sum death benefit. Wills require legal procedures to detail how to distribute assets, properties, and even items of sentimental value.
HSBC Infinite Wealth Insurance Plan combines wealth growth potential with flexible legacy planning. The policyholder (you) can designate a contingent guardian* to temporarily hold your policy after death until your chosen contingent policyholder reaches a designated age or completes designated life milestones (whichever is earlier) to officially inherit.

*The Contingent Guardian shall only have the administrative right to update the personal information of the Contingent Guardian and the Contingent Policyholder. The Contingent Guardian is not entitled to exercise any options or rights under this Policy, or to request for any change of Contingent Policyholder, Beneficiary(ies) or Contingent Life Insured.

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Apply for HSBC Infinite Wealth Insurance Plan to enjoy up to 5% off your single premium plus an additional 0.15% off for select customers.

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Offer ends 30 September 2025. T&Cs apply.

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Disclaimer

HSBC Life (International) Limited (incorporated in Bermuda with limited liability) ("HSBC Life", "the Company", "we” or "us”) is authorised and regulated by the Insurance Authority of the Hong Kong SAR to carry on long-term insurance business in the Hong Kong SAR. 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 SAR. Policyholders are subject to the credit risk of HSBC. For eligible disputes (as defined in the scope and jurisdiction of the Financial Dispute Resolution Centre under the Financial Dispute Resolution Scheme) arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. Any disputes arising from the terms, conditions and provisions of the abovementioned insurance policies will be resolved directly between you and the Company. For detailed information on the insurance products offered by HSBC Life, please visit the insurance section of the HSBC website or any HSBC branch. The life insurance plans are products of the Company but not HSBC or HSBC Life, underwritten by the Company and it is only intended for sale through HSBC in the Hong Kong SAR.

This material shall not constitute any kind of advice or recommendation on education or any other matters. Please do not rely on this document for making any kind of decision. If you have any questions about the contents of this booklet, you should seek professional advice from independent parties. These contents represent general information only, and do not constitute any suggestions or recommendations of any products. This material should not be reproduced or further distributed to any person or entities, whether in whole or in part, for any purpose.

Under any and all circumstances, HSBC Life and/or HSBC shall not be liable for any damages, losses or liabilities, including but not limited to direct or indirect, special, incidental, consequential damages, losses or liabilities, in connection with your or any third party’s use of this booklet or your reliance on or use of or inability to use the information contained in this booklet. All interviewees’ opinions are provided by the interviewees for reference only. They are not intended to constitute any recommendation or advice to any persons or to be the basis for any financial decision. The opinions expressed are those of the interviewees and do not represent the views of HSBC Life or HSBC.

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How to secure wealth that lasts for generations?