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 II 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
Additional benefits
- Customise your policy with greater controlAllocate funds across one or multiple indices to suit your risk appetite. You’ll also enjoy the flexibility to switch between the General Account and Index Account as your financial goals evolve.
- Flexible premiumsChoose to pay your premiums over a preferred period or as a single lump sum based on your financial situation, with flexibility to make adjustments along the way[@diamond-flexible-premium].
- Quit smoking incentiveTake advantage of non-smoker charges for the first 3 policy years and continue to enjoy the same lower charge if life insured is able to quit smoking for at least 12 consecutive months[@diamond-smoker].
- Change of life insuredYou can change the life insured to your loved ones, up to 2 times without purchasing a new policy. Corporate-owned policies enjoy unlimited changes of life insured[@diamond-change].
- No-lapse guarantee benefitEnjoy 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].
- Guaranteed minimum surrender valueYour policy value will be based on an interest rate of 2% per annum when you make a full surrender, regardless of the performance of your General Account and Index Account[@diamond-surrender].
- Loyalty bonusGet extra boost to your policy 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.

Bring your future to life in full colour this SG60
Embark on the journey towards a more brilliant future from now until 31 December 2025 with attractive rewards exclusively for new customers, including a limited edition HSBC Life gold bar weighing up to 5g[@life-gold-bar-5g-value], Raffles Spa Gem Suite Spa-cation, and up to SGD120 Grab vouchers with the purchase of any eligible plan[@diamond-new-customer]. T&Cs apply.
Are you eligible?
The entry age[@age-last] is 0 to 80 years old, for the life insured.
Get in touch
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Get in touch with us
You can also email us at cc.life@mail.life.hsbc.com.sg.
Alternatively, you can give us a call at your convenience.
Local hotline
Lines are open 9am to 5pm, Mondays to Fridays (except on public holidays).
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Notes
Index disclaimers:
S&P 500 Index, S&P Global Diversified Index, and S&P U.S. Tactical Multi-Asset Index
The indices above are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by HSBC Life (Singapore) Pte. Ltd. S&P® and S&P 500® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by HSBC Life (Singapore) Pte. Ltd. HSBC Life Diamond Prestige IUL II is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such products nor do they have any liability for any errors, omissions, or interruptions of the indices above.
Nasdaq-100 Index
Nasdaq®, Nasdaq-100 Index®, Nasdaq-100®, NDX®, are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by HSBC Life (Singapore) Pte. Ltd. HSBC Life Diamond Prestige IUL II (“Product”) has not been passed on by the Corporations as to their legality or suitability. The Product is not issued, endorsed, sold, or promoted by the Corporations. The Corporations make no warranties and bear no liability with respect to the product.