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HSBC Life Diamond Prestige IUL II

An indexed universal life plan with a perfect blend of investment growth and life protection, empowering you to build a chain of lasting wealth that transcends 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 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

Whole life coverage

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

Higher growth potential with downside protection

With the Index Account, capture upside potential gains from tracking the performance of indices and enjoy downside protection from negative market returns with Index Segment Floor Rate as high as 1%[@diamond-floor-rate].

Shape a lasting legacy with death benefit instalments[@diamond-instalments]

Opt to have your death benefit payout in instalments instead of a lump sum, giving your loved ones ongoing financial support and assurance.
Lifestyle benefit for improved health conditions
Enjoy 1% discount on your insurance charges for 10 years upon achieving improved health conditions[@diamond-lifestyle].

Additional benefits

  • Customise your policy with greater control
    Allocate 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 premiums
    Choose 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 incentive
    Take 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 insured
    You 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 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].
  • Guaranteed minimum surrender value
    Your 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 bonus
    Get 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

Leave us your details

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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

+65 6880 4888

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

Manage your policy on the go

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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.

    HSBC Life Diamond Prestige IUL II 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 before deciding whether to purchase the product. You may wish to seek advice from a Financial Planner before making a commitment to purchase the product. In the event that you choose not to seek advice from a Financial Planner, you should consider whether the product in question is suitable for you. Please refer to the general provisions and product summary for the exact terms and conditions, specific details and exclusion of this product. The actual benefits payable and coverage are not guaranteed and are dependent on the actual crediting rates (subject to the guaranteed minimum crediting rate) applied to your policy's General Account, actual floor rate, actual cap rate (where applicable, and subject to the minimum index segment cap rate) and actual participation rate (subject to the minimum index segment participation rate) applied to your policy's Index Account, actual policy charges (subject to the maximum policy charges), amounts of any additional premiums paid, partial withdrawals made, loans taken, and other changes and transactions made under the policy. Crediting rate for Index Account is calculated based on the point-to-point performance of the underlying indices, excluding dividends, subject to the applicable index segment floor rate, index segment cap rate (where applicable) and index segment participation rate. Past performance is not necessarily 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.

    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 Life Insurance Association Singapore (LIA) or Singapore Deposit Insurance Corporation (SDIC) websites: www.lia.org.sg or www.sdic.org.sg

    This advertisement has not been reviewed by the Monetary Authority of Singapore. Information is correct as at 11 Aug 2025.

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