Explore our saving and investment plans

Helps you accumulate savings, provides life protection and creates a steady stream of income for the future.

Apply online now and get guaranteed return of up to 2.83%# p.a. when the policy ends after 5 years.

Terms and conditions apply. The percentage of returns varies by the chosen premium payment mode and the mode of application (branch or online).

Potential return can reach 4% p.a.^ with protection from 3 major critical illnesses

"Potential return" is non-guaranteed, the actual return may be higher or lower than the amount quoted.

Wealth transfer according to your wishes. Projected cash value can reach 400%* of total premium payment

"Projected cash value" is non-guaranteed, the actual return may be higher or lower than the amount quoted.

#The internal rate of return is the expected compound annual rate of return that will be earned on an investment.

^ "Potential return" is non-guaranteed. The actual return may be higher or lower than the amount quoted. The return of 4% p.a. is based on the assumption of a policy with policy period of 30 years and it is assumed that the life insured is 50 years of age or below and a non-smoker – and a 5-year premium term

* "Projected cash value" is non-guaranteed. The actual return may be higher or lower than the amount quoted. 400% is a projected return after 30 years based on the assumption that the life insured is a 35 year-old male paying an annual premium of USD40,000 for 3 years

Please refer to the respective product brochures, fact sheets and policy provisions for details of the above products, and the benefits and risks which are subject to the terms and conditions.

The above life insurance plans are not equivalent or similar to any kind of deposit. If the policyholder discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid.

You are subject to the credit risk of HSBC Life (International) Limited. Your 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 product is a product of the Company but not HSBC and it is intended only for sale in the Hong Kong SAR.

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

The above life insurance plans are underwritten by HSBC Life (International) Limited (“HSBC Life”), which 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. HSBC Life will be responsible for providing your insurance coverage and handling claims under your life insurance policy. The Hongkong and Shanghai Banking Corporation Limited (“the Bank”) is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of HSBC Life for the distribution of life insurance products in the Hong Kong SAR. The above products are products of HSBC Life but not the Bank and they are intended only for sale in the Hong Kong SAR. For product details and related charges, please refer to the relevant brochures and policy provisions.