Top of main content

HSBC Life – Life Treasure III

A whole life insurance plan with multiplied coverage, a payout option and optional riders to enhance your critical illness protection.

Safeguard your tomorrow

With HSBC Life – Life Treasure III, you can safeguard your current lifestyle amidst life’s uncertainties and pave the way for a more empowered future. The choices you make today shape your tomorrow, especially when it comes to protecting your loved ones. Start building a stronger foundation for a better tomorrow!

Key benefits

Multiplied coverage for higher protection

Boost your coverage by a multiplying factor of 2.5, 3.5, 4.5 or 6 times and choose to have this boosted coverage till the policy anniversary year of your 65th, 70th or 80th birthday.

Safeguard against accidental death

The embedded Accidental Death Benefit pays an additional amount equivalent to either your basic sum assured or multiplier benefit in the event of death due to an accident (up to age 80).

Option to access cash

After you reach your multiplier coverage age, you may access your policy’s cash value by exercising the option to receive annual payout for 10 years.

Additional features and benefits

  • Family support benefit
    To tide over expenses if you lose a loved one, receive a lump sum amount equivalent to 2 years of premium payments if your spouse or parent passes away[@family-support-benefit-wpb].
  • Enhance your critical illness coverage
    Choose between our Early Critical Illness Benefit III rider which covers 170 medical conditions from early to advanced stage critical illnesses or our Critical Illness Benefit III rider which covers 56 advanced stage critical illnesses.
  • Lock in your current health condition
    With the Guaranteed Insurability Option (GIO)[@life-treasure-gio-wpb], you have the option to boost your coverage as needed upon specific life events by purchasing a new insurance plan with no additional health questions asked.
  • Payer premium waiver riders
    If you are purchasing this policy to insure a loved one, our optional riders[@life-treasure-riders-wpb] allow for premium waiver if you are unable to continue your payments.

How does HSBC Life – Life Treasure III work?

Jason, a 30-year-old non-smoker, is newly married and plans to start a family. He decides to purchase the HSBC Life – Life Treasure III plan with a basic sum assured of SGD50,000 and chooses to multiply his coverage by 6 times until he is 70. He adds-on the Early Critical Illness Benefit III rider with a sum assured of SGD25,000. This results in:

  • A basic plan multiplier benefit of SGD300,000 till age 70
  • An Early Critical Illness Benefit III rider multiplier benefit of SGD150,000 till age 70

He'll pay a monthly premium of SGD220[@illustrative-premium] for his chosen premium term of 20 years.

Open the accordions to see how we'll support him at every stage under his policy.

Are you eligible?

The entry age is:

  • 1 month[@age-attained] to 65[@age-nearest] years, for the insured person
  • 18[@age-attained] to 99[@age-nearest] years, for the policyholder

Apply now

Leave us your details

We'll call you back shortly to discuss the next steps.

Manage your policy on the go

You may also be interested in

An affordable term life insurance plan that lets you choose the terms you want, based on your family's needs.
A term life insurance plan that offers the flexibility to choose payment and policy terms, and covers you against death or terminal illness so your loved ones will be taken care of.
A flexible life insurance plan offering affordable protection and limited payment options that come with a surrender value when the policy is no longer needed.

HSBC Life – Life Treasure 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 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 policy 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. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

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 23 September 2024.

Stay informed and join the conversation