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HSBC Life Indexed Flexi Income

An indexed universal life plan designed to support your wealth ambitions, providing the option of monthly income payouts for life as well as features for generational wealth transfer.

Unlock the freedom of true wealth

Whatever your goals may be, true wealth is about a life rich in possibilities. With HSBC Life Indexed Flexi Income, your wealth never retires – it continues to grow even when you take a break – unlocking possibilities for you to live fully today while keeping your ambitions within reach for tomorrow's pursuits. 

Key benefits

Grow wealth with confidence

Allocate premiums to your Index Account to access multiple market indices, with the opportunity to capture higher returns. Benefit from a floor rate as high as 1%[@floor-rate], ensuring downside protection even during market downturns.

Turn your wealth into a lifetime of income

Opt for our lifetime income benefit to enjoy monthly income payouts for life[@insured-original-life]. Even if your policy value runs down to 0, your income payouts will continue at a constant amount.

Steady monthly income stream with the potential to increase

Your monthly income may increase along with positive crediting rates in your accounts and, with our Auto Lock-in Income feature, it will be automatically locked in at the highest value achieved during the income payout period[@income-payout-period].

Multi-generational transfer enabled to support loved ones

With the freedom to change[@change-the-life-insured] life insured up to 5 times, designate a contingent owner or appoint a secondary life insured, you can preserve the legacy you've created and ensure it carries forward seamlessly.

Additional benefits

  • Guaranteed lifetime income benefit rate
    Your initial monthly income will be computed based on a guaranteed percentage that will be applied to the higher of your prevailing policy value and total premiums paid[@initial-monthly-income-computing-percentage]. The later you start your income payouts, the higher the guaranteed percentage.
  • Flexibility to meet your changing needs
    Whether you're taking a mini-retirement or transitioning through different life phases, you can easily stop and restart[@premium-allocation-application] your income benefit whenever you wish.
  • Flexible premium payment period
    Choose to make a single payment of at least USD100,000 or opt for multi-pay premium stretched over 5 years at a minimum of USD20,000 a year.
  • Fine-tune your allocations as you go
    Adjust your premium allocation[@premium-allocation-application] between your General and Index Accounts, and among your Index Sub-accounts – so your plan keeps pace with your evolving wealth ambitions.
  • Withdraw[@partial-surrender] without surrender charge
    Withdraw up to 5% of your prevailing policy value[@maximum-withdrawal-amount] per policy year from policy year 6 (for single premium payments) or from policy year 11 (for multi-pay premium).
  • Guaranteed minimum surrender value[@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.

Are you eligible?

The entry age[@age-last] for the life insured depends on the premium payment period:

  • Single pay: 0 to 75
  • Multi-pay 5: 0 to 70

Summary of options 

Get in touch

Leave us your details

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

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

    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 Indexed Flexi Income 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 Indexed Flexi Income ("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.

    Important notes 

    HSBC Life Indexed Flexi Income 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 and actual cap rate (subject to the minimum index segment cap rate) applied to your policy's Index Account, actual policy charges or actual participation rate (subject to its applicable minimum limits), 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 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 24 November 2025.

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