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HSBC Life Emerald Legacy Life III

A whole life plan that offers high protection coverage while preserving wealth and growing your legacy to meet your loved ones’ future needs.

Let your legacy lead them to greater things

Imagine giving your loved ones the foundation to pursue their dreams confidently while knowing the wealth you have built continues to grow and support generations to come. HSBC Life Emerald Legacy Life III is designed to help you preserve and enhance your assets while protecting what matters most, so your vision for the future can lead your family to greater things. You have already laid the groundwork with your hard work—now, let us take your legacy even further. 

Key benefits

High guaranteed coverage with flexibility for lifelong protection

Enjoy higher guaranteed coverage with Minimum Protection Cover (MPC) to age 85 or 99[@mpc-age-85]. With added flexibility from Life Extender Booster riders, you can extend MPC up to age 120[@single-pay-plan] and choose to maintain it at 100% or reduce it to 80% at key milestones before age 70, ensuring your protection evolves with your needs.

Grow and preserve your wealth with guaranteed cash value

Your policy has a cash value equal to 82% of the single premium paid from day 1. For the limited pay plan, cash value starts accumulating from year 3 and reaches 100% beyond year 40. You can also accumulate this cash value with non-guaranteed reversionary bonuses[@reversionary] and terminal bonuses[@emerald-terminal], which may be declared from time to time.

Create a lasting legacy with death benefit instalments

Opt to receive your death benefit payout in 2 to 10 yearly instalment instead of a lump sum, giving your family ongoing financial support and assurance.

Choose from the 2 plans that suit your needs

The following table shows a summary of benefits offered under single pay and limited pay plan.
HSBC Life Emerald Legacy Life III (single pay) – SGD and USD HSBC Life Emerald Legacy Life III (limited pay) - USD

  • Pay single premium in one lump sum

  • Coverage for death and terminal illness till age 99
  • Secure higher guaranteed coverage through MPC to age 85 or 99

  •  

    Add-on Life Extender Booster rider to extend MPC to age 99

     

  • Guaranteed cash value: 82% of the premium paid from day 1

  • Able to change life insured 1x for individual policy, unlimited for corporate owned policies[@diamond-change]

  • Quit smoking incentive: 5% of the single premium paid will be refunded[@prescribed-form]

  • Receive death benefit payout as a lump sum

  • Choose to pay premiums over 5, 10 or 15 years

  • Coverage for death and terminal illness till age 120

  •  

    Secure higher guaranteed coverage through MPC to age 85

     

  • Add-on Life Extender Booster II rider to extend MPC to age 120

  •  

    Guaranteed cash value: up to 100% of the premiums paid, accumulation starts from policy year 3

     

  • Able to change life insured 2x for individual policy, unlimited for corporate owned policies[@diamond-change]

  • Quit smoking incentive: Future premiums will be reduced to non-smoker rates[@prescribed-form]

  • Choose to receive death benefit payout in 2 to 10 annual instalments[@death-benefit] or as a lump sum
The following table shows a summary of benefits offered under single pay and limited pay plan.
HSBC Life Emerald Legacy Life III (single pay) – SGD and USD

  • Pay single premium in one lump sum

  • Coverage for death and terminal illness till age 99
  • Secure higher guaranteed coverage through MPC to age 85 or 99

  •  

    Add-on Life Extender Booster rider to extend MPC to age 99

     

  • Guaranteed cash value: 82% of the premium paid from day 1

  • Able to change life insured 1x for individual policy, unlimited for corporate owned policies[@diamond-change]

  • Quit smoking incentive: 5% of the single premium paid will be refunded[@prescribed-form]

  • Receive death benefit payout as a lump sum
HSBC Life Emerald Legacy Life III (limited pay) - USD

  • Choose to pay premiums over 5, 10 or 15 years

  • Coverage for death and terminal illness till age 120

  •  

    Secure higher guaranteed coverage through MPC to age 85

     

  • Add-on Life Extender Booster II rider to extend MPC to age 120

  •  

    Guaranteed cash value: up to 100% of the premiums paid, accumulation starts from policy year 3

     

  • Able to change life insured 2x for individual policy, unlimited for corporate owned policies[@diamond-change]

  • Quit smoking incentive: Future premiums will be reduced to non-smoker rates[@prescribed-form]

  • Choose to receive death benefit payout in 2 to 10 annual instalments[@death-benefit] or as a lump sum

Are you eligible?

The entry age[@age-next] is:

  • 1 to 75 years old[@max-entry-age], for the insured person
  • 17 years old and above, for the policyholder

Summary of options 

Contact us to get started

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).

Other ways to apply 

Manage your policy on the go

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Notes

    Important notes 

    HSBC Life Emerald Legacy Life III 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 for the exact terms and conditions, specific details and exclusion of this product. 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 LIA or 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 5 May 2025.

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