Plan early, avoid family disputes?

August 2025

4 mins

In EP3, we continue to explore how insurance can help you in legacy planning. How real is the threat of inheritance disputes like those in a "Heart of Greed"? What types of cases are most common in Hong Kong? What inheritance disputes have caused families to turn against each other?

Video highlights:

Suggested by our guest speaker, Inheritance disputes are very common in Hong Kong: Even with a will, lawsuits over estate distribution frequently occur. Will validation and family disagreements often lead to further court rulings, delaying or altering the distribution of wealth.
Simple process with life insurance:
Unlike a will, life insurance pays directly to named beneficiaries, bypassing probate processes to help enhance the stability and efficiency in wealth transfer.
Higher privacy with life insurance:
Details about beneficiaries and policy information remain confidential between you and your insurer, protecting family privacy.
HSBC Infinite Wealth Insurance Plan:
The plan allows you (the policyholder) preset both the enhanced market-first* Policy Split Option and/or Legacy Split Option, enabling your policy can be split among your family members either on a designated date or upon your passing, whichever occurs first.

Special offers

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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