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Goal Builder

Optimise your wealth and realise your goals.

Goal Builder

Are you looking to grow your wealth while simultaneously protecting yourself, and your family?
  • Achieve it all with HSBC Life Goal Builder — a limited premium investment-linked plan that offers you lifelong protection and flexibility to grow your wealth through a choice of over 70 established funds.

Key benefits

Enjoy bonuses1 that help boost your account value

  • Welcome bonus of up to 30% of your first-year regular premiums
  • Extra 1% loyalty bonus from the end of premium year 10 and every 2 years after that until premium year 24

Optimise wealth growth with a range of funds and unlimited fund switching2

  • Access to over 70 world-class funds
  • No premium charges, and all basic premiums go towards investing into funds of your choice
  • Option to re-balance your fund holdings automatically3
  • No product administrative fees4 from policy year 25 onwards
  • Top up premiums5 allowed at any time through both ad-hoc or regular top up arrangement

Stay in control with flexible withdrawal options6

  • Unlimited ad hoc or pre-planned regular withdrawal
  • Potentially create an income stream by investing in dividend-paying funds

Enjoy peace of mind with lifelong protection

  • Lifelong protection for death or terminal illness (TI)7
  • Complimentary accidental death coverage up to age 758
  • Option to enhance death benefits up to 10 times the annual premium
  • No medical examination required
  • Available in both SGD and USD

Get in touch

Call us on 1800-4722-669 or find your nearest branch to apply in person.

For all policy servicing related enquiries, please call (65) 6880 4888.

What else should I know

Investments in this plan are subject to investment risks including the possible loss of principal amount invested. The value of the units may rise as well as fall. Past performance is not necessary indicative of future performance.

As buying a life insurance policy is a long-term commitment, an early termination of the policy usually incurs high cost and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. It is also detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost.

More information

1 The Welcome Bonus is calculated as a percentage of the premium(s) paid for the first year of the policy. For loyalty bonus, any top-up premium(s) and/or recurrent single premium(s) (RSP) paid in the preceding 24 months before each loyalty bonus payout is not eligible for the loyalty bonus. We reserve the right to clawback the Welcome Bonus upon premium reduction.

2 Application to switch ILP Sub-Fund(s) must be made on our prescribed form. You may fully or partially switch from one or more ILP Sub-Funds to other ILP Sub-Funds. The value of units to be switched for each ILP Sub-Fund must be at least SGD1,000 or USD1,000, depending on the currency of your plan; and the remaining value of units in each ILP Sub-Fund must be at least SGD500 or USD500 respectively.

3 You may request in writing to automatically re-balance your existing ILP Sub-Fund(s) holdings according to your pre-specified regular premium(s) allocation at each policy anniversary. The automatic fund rebalancing will only occur on each policy anniversary when the portfolio's variance from the pre-specified premium allocation percentage exceeds 5%.

4 The product administration fee is payable beyond the first 24 policy years for a period equivalent to the number of months or years of premium(s) missed due to premium holiday.

5 You may make regular top-up premiums through the RSP contribution. The minimum top-up and RSP contribution amount is SGD500 or USD500, depending on the currency of your plan. The full amount of the top-up premium and RSP contribution will be used to buy into units of the ILP Sub-Fund(s) chosen by you.

6 You may make a partial, regular, or full withdrawal of units. A full withdrawal of units is considered a surrender of your policy and your policy will terminate.

7 The sum insured is the amount which is the aggregate of 101% of total premiums paid, and all top-up premiums and RSP, less all partial withdrawals and regular withdrawals during the policy term. The death or terminal illness benefit payable will be the higher of: (i) the sum insured; and (ii) the net asset value, calculated as at the time we receive the claim notification under the Policy, after deducting all outstanding fees and charges and any other amounts owing to us. Please refer to the product summary for details including the definition of TI.

8 Accidental death sum insured is the amount which is the aggregate of 200% of total premiums paid (capped at SGD2 million or its equivalent in the policy currency), and all top-up premiums and RSP, less all partial withdrawal and regular withdrawals. The accidental death benefit payable will be the highest of:(i) the sum insured; (ii) the accidental death sum insured; and (iii) the net asset value, calculated as at the time we receive the claim notification under the policy, after deducting all outstanding and any other amounts owing to us.

Please refer to the product summary for details.


HSBC Life Goal Builder is underwritten by HSBC Life (Singapore) Pte. Ltd. (Reg. No.199903512M).

This webpage contains only general information and does not have regard to the specific investment objectives, financial situation and the 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 our authorised product distributors. You should read the Product Summary, Product Highlights Sheet(s) and Fund Summary before deciding whether to purchase the product and subscribe for units in the ILP sub-fund(s). 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 General Provisions for the exact terms and conditions, specific details and exclusion 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 us or visit the LIA or SDIC websites ( or

Information is correct as at 1 February 2024.

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

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