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Sapphire Prestige Income II

Building positive momentum that lasts generations.

Secure your legacy with sustainable wealth

Building a lasting financial legacy for your family goes beyond accumulating wealth. It's about empowering future generations with financial stability at every stage of life.


HSBC Life Sapphire Income II is a whole life plan that provides you with regular income to complement your savings so you can enjoy your retirement with peace of mind. It gives you and your loved ones the financial edge to sustain your wealth and build a legacy that lasts for generations.

Key features

  • Enjoy a lifetime of regular income
    Start receiving monthly payouts1 from as early as the end of the 13th month2 up to age 120 of the original life insured3. Or, you can choose to accumulate your regular income for potential higher returns4.
  • Replacement of life insured
    Option to change the life insured up to three times during the policy term for both corporate and individual policies. You may change the life insured as long as the new life insured meets our requirements at the time of application.
  • Flexible premium term
    Choose from a single or regular premium payment term of 3 years5, either in SGD or USD5.
  • Unemployment support benefit
    You have the option to defer6 your regular premiums payment up to 365 days in the event of unemployment.
  • Hassle-free application
    Enjoy coverage on death and terminal illness7 or accidental death8, with no medical examination required.

Other benefits

  • Immediate9 policy cash value
    Get guaranteed cash value equivalent to 80% of the premium paid from day 1 for single premium policies10.
  • Maturity benefit
    Receive a lump sum payout when the policy matures11 at age 120.

Get in touch

Contact our authorised distributors to discuss your needs and suitability before signing up for a plan.

Alternatively, you can speak to us at +65 6880 4888.

What else should I know?

As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs 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

1Monthly payouts are in the form of regular income that is made up of guaranteed monthly payout and non-guaranteed monthly cash bonus. The first payout date of the regular income will vary according to the premium term of your policy. 

2Applicable to single premium policies only.

3Regular income is payable as long as the policy continues to be in force or to age 120 of the original life insured.

4The regular income accumulates at a non-guaranteed interest rate determined by the company and is not guaranteed. Interest rate may vary according to prevailing investment conditions.

5Not applicable to policies purchased through Supplementary Retirement Scheme.

6Not applicable to policies where the premium is paid in one lump sum, and policies owned by a business organisation or corporation. Please refer to product summary for more information. 

7The death and terminal iiiness benefit payable is the sum of:

  • 101% of the premium paid;
  • Terminal bonus (if any), and
  • accumulated regular income and interest (if any),

less any amount owing to the company.

8While the policy is in force and before the life insured reaches age 76, if the death is caused by an accident in the first 36 months from the commencement date or date of issue (whichever is later), the accidental death benefit payable is the sum of:

  • 110% of the premium paid;
  • Terminal bonus (if any), and
  • accumulated regular income and interest (if any),

less any amount owing to the company.

9For regular premium payment term of 3-years, cash values are available from the start of the 3rd policy year.

10We will determine the amount of cash value at the point of surrender.

11The policy matures on the policy anniversary when the original life insured is age 120. The policy will terminate when the maturity benefit is paid.


HSBC Life Sapphire Prestige Income II is underwritten by HSBC Life (Singapore) Pte. Ltd. (Reg. No. 199903512M).

This webpage contains general information only and does not have regard to the specific investment objectives, financial situation and 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 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 contract for the exact terms and conditions, specific details and exclusions 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 5 February 2024.

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

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