Top of main content

Wealth Builder

Build wealth for yourself, your children and your grandchildren.
Wealth Builder
HSBC Life Wealth Builder is a flexible, savings plan that allows you to potentially grow your wealth through long-term accumulation (up to age 1201), giving the financial assurance you need for you, your child, possibly even your grandchildren.

Benefits of Wealth Builder

Your benefits at a glance:

Flexibility to build a plan to your preference

  • Choose a premium term of Single Premium, 5, 10, or 15 years
  • Option to pause your premiums2 payment without policy lapsing
  • Option to jointly buy the policy with your spouse3

Receive both guaranteed and non-guaranteed bonuses4 upon maturity.

Access to the cash value of the policy5

While the plan builds its cash value, you can still access your savings whenever you need to fund key milestones.

Policy continuity to ensure the cash value keeps growing

  • Option to appoint your spouse or child as the Secondary Life Insured 6
  • Remaining premiums are waived if you suffer from Total and Permanent Disability (TPD)7

Get in touch

Call us on 1800-4722-669 or find your nearest branch to apply in person. 

For all policy servicing related enquiries, please call (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. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. 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

The policy matures on the policy anniversary when original life insured is age 120. 

2 You may apply to stop paying premium for one year, provided that the first 2 annual premium payments have been made in full. Not applicable to single premium policies.

3 Joint policyownership is available for spouses as joint owners. Only one of the joint owners can be the Life Insured. This will be determined on the policy issue date and cannot be changed thereafter.

4 The non-guaranteed bonuses consists of any reversionary bonus and terminal bonus. 

You may access the cash value of the policy if the policy is inforce and when cash value is available. This can be done through bonus withdrawal or surrender, either partially or fully. Any withdrawal/surrender will affect the sum insured, future cash value and death benefit. 

6 You may appoint, change, or remove the Secondary Life Insured up to 3 times per policy. Insurable interest must be established for the appointment of the Secondary Life Insured. 

7 This benefit terminates once (i) a claim is admitted on this benefit, (ii) any of the policyowners is age 70 or (iii) if there are no future premiums or premium instalments due, whichever comes first.

Please refer to the product summary for more details.


HSBC Life Wealth Builder is underwritten by HSBC Life (Singapore) Pte. Ltd. (Reg. No.199903512M).

This webpage contains 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 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 exclusion 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 1 February 2024.

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

Stay informed and join the conversation