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Protection Planning

Goal Access Universal Life Plan (Protection)

  • Financial flexibility in change of sum insured*, unscheduled premium# and cash withdrawal+ options.
  • Embedded extra protection benefits such as waiver of premium on disability benefit, payor's benefit and terminal illness benefit^.
  • Select optional major illness benefit** (advance payment) which covers 60 illnesses.


* Increasing the sum insured is subject to (i) underwriting; and (ii) increase the policy expense charge and insurance change. Reducing the sum insured may induce surrender charge.

# The minimum amount of unscheduled premiums per transactions is USD625, which is subject to change by the Company from time to time. The acceptance of unscheduled premium is at Company's discretion.

+ Withdrawal is subject to applicable surrender charge. Withdrawals will reduce the account value which may reduce the death benefit and increase the chance of policy lapses.

^ Terminal illness benefit is applicable to the life insured who is from 15 days after birth to the age‡‡ of 64.Terminal illness benefit will terminate upon the policy anniversary at which the life insured attained the age‡‡ of 65, payout of this benefit or the policy is terminated (whichever is the earliest).

** Additional premium and charges are required for optional major illness benefit (advance payment). This benefit will terminate when the advance payment under this benefit is paid or when the policy is terminated.

Surrender charge ranging from 1% to 45% applies during the first 10 policy years. For a policy being surrendered in early years, the surrender proceeds to be received under the policy may be significantly less than the premiums paid and you could lose all your premiums paid in the worst scenario.

‡‡ Age means age at your next birthday.

Please refer to the respective product brochure for detailed features and the policy provisions for the detailed terms and conditions.

Make an appointment More info

WholeLife Protection Plan

  • Provides life protection for the whole of your life and a guaranteed savings return at an affordable cost.

Please refer to the respective product brochure for detailed features and the policy provisions for the detailed terms and conditions.

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Talk to our Financial Advisor?

  • Call (852) 2233 3733

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Goal Access Universal Life Plan (Protection) and Whole Life Protection Plan are underwritten by HSBC Life (International) Limited ("the Company") which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Hongkong and Shanghai Banking Corporation Limited (referred to as "HSBC") is an insurance agent authorised by the Company.

Your benefit is subject to the credit risk of the Company. 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.