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HSBC Life Diamond Prestige IUL

An indexed universal life plan that offers a versatile blend of life insurance and intelligent investment, empowering you to build a chain of lasting wealth for generations.

Build a chain of lasting wealth

Wealth can be a timeless chain that connects generations, allowing them to propel forward in life. HSBC Life Diamond Prestige IUL is designed to help you accumulate and preserve your wealth for future generations, putting you in control of growing and securing your legacy while providing you with life protection. 

Key benefits

Whole life coverage

A lifelong protection for death and terminal illness[@diamond-lifestyle] to protect your wealth, manage business cash flow and leave a financial inheritance for future generations.

Growth potential with downside protection

Seize upside opportunities from the international equity market[@diamond-equity] and the downside protection with 0% crediting floor rate of your Index Account.

Lifestyle benefit for improved health conditions

Enjoy 1% discount on your insurance charges for 10 years upon achieving improved health conditions[@diamond-terminal-illness].

Additional benefits

  • Take control of your policy
    When it comes to growing your policy value, you’re in control. You can allocate funds between the General Account and Index Account, to suit your risk appetite as you prefer.
  • Quit smoking incentive
    Enjoy lower non-smoker charges for the first 3 policy years[@diamond-smoker].
  • No-lapse Guarantee benefit
    Enjoy the security of knowing that the specified sum insured is guaranteed until the death of the life insured or for 5 years, whichever is earlier with no-lapse guarantee benefit[@diamond-no-lapse].
  • Loyalty bonus
    Get extra value with a loyalty bonus[@diamond-loyalty-bonus] of 0.35% crediting rate in addition to the rate declared for your General Account and Index Account from policy year 11 onwards.
  • Flexible premium term
    The flexibility is yours in choosing to pay the remaining premiums in one lump sum or over a preferred period[@diamond-flexible-premium].
  • Change of life insured
    You can transfer the policy up to 2 times, to your loved ones without the need for them to purchase a new one. Corporate-owned policies enjoy unlimited changes of life insured[@diamond-change].
  • Guaranteed minimum surrender value
    Your policy value will earn an interest of 2% per annum when you make a full surrender regardless of the performance of your General Account and Index Account[@diamond-surrender].

Get in touch

Call us or find your nearest branch to apply in person.

To apply:

1800 4722 669

For policy servicing-related enquiries:

+65 6880 4888

Lines are open 9am to 5pm, Mondays to Fridays (except on public holidays).

Prefer to apply in person?

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Notes

    Important notes 

    Disclaimer

    HSBC Life Diamond Prestige IUL is underwritten by HSBC Life (Singapore) Pte. Ltd. (Reg. No.199903512M), and distributed by HSBC Bank (Singapore) Limited ('HSBC'). It is not an obligation of, a deposit in, or guaranteed by, HSBC. HSBC Life and HSBC are members of HSBC Group.

    This webpage contains general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. This is not a contract of insurance and is not intended as an offer or recommendation to buy the product. A copy of the product summary may be obtained from HSBC or HSBC Life. You should read the product summary before deciding whether to purchase the product. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Please refer to the policy contract for the exact terms and conditions, specific details and exclusions of this product.

    Policy Owners' Protection Scheme

    This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HSBC Life or visit the Life Insurance Association Singapore (LIA) or Singapore Deposit Insurance Corporation (SDIC) websites: www.lia.org.sg or www.sdic.org.sg.

    Information is correct as of 29 April 2024.

    This advertisement has not been reviewed by the Monetary Authority of Singapore. 

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