Get advice
Investment Linked Plan

HSBC Life Goal Builder: Flexible Investment-Linked Insurance for Wealth Optimization

In today's dynamic financial landscape, finding a solution that combines life insurance protection with investment opportunities is crucial for long-term financial security. The HSBC Life Goal Builder is an innovative investment-linked plan designed to help you optimize your wealth while providing lifelong protection. This flexible product offers access to over 70 world-class funds, allowing you to tailor your investment strategy to your unique goals and risk tolerance. With features like welcome bonuses, loyalty bonuses, and flexible withdrawal options, HSBC Life Goal Builder empowers you to take control of your financial future and work towards realizing your life ambitions.

Investment Growth Calculator

Visualize your investment's potential

  • Precise growth projections
  • Set realistic financial goals
  • Assess risks and rewards

How Investment-Linked Policies (ILPs) Work

Investment-Linked Policies (ILPs) combine life insurance coverage with investment opportunities, offering a unique approach to financial planning. With an ILP like HSBC Life Goal Builder, your premium is allocated between insurance protection and investment in chosen funds. The investment portion allows you to select from a range of funds with varying risk levels and potential returns. These funds are professionally managed and can include equity, balanced, or fixed income options. Your policy's value fluctuates based on the performance of your chosen funds, giving you the potential for higher returns compared to traditional life insurance policies. However, it's important to note that investment returns are not guaranteed, and you bear the investment risk.

HSBC Life Goal Builder Insurance Coverage

HSBC Life Goal Builder offers comprehensive insurance coverage to protect you and your loved ones. The policy provides lifelong protection against death and terminal illness, ensuring financial security for your beneficiaries. Additionally, it includes features to enhance your coverage and provide peace of mind in various scenarios.

Death Benefit

The death benefit provides financial protection for your beneficiaries. It pays out the higher of the sum insured (101% of total premiums paid plus top-ups, less withdrawals) or the policy's net asset value.

Terminal Illness Benefit

The terminal illness benefit offers the same payout as the death benefit if you are diagnosed with a terminal illness. This advance payment can help cover medical expenses and provide financial support during a difficult time.

Fill in your details to get started

or

By filling this out, you agree to allow us to contact you about insurance related information.

Learn more

HSBC Life Goal Builder Rider Options

HSBC Life Goal Builder offers additional rider options to enhance your coverage and provide extra protection for specific scenarios. These riders can be added to your base policy to customize your insurance plan according to your needs and preferences.

Waiver of Premium on Disability

This rider waives future premium payments if you become totally and permanently disabled. It ensures your policy remains in force even if you're unable to work due to disability.

Major Cancer Premium Waiver

If you're diagnosed with major cancer, this rider waives your future premium payments. It helps maintain your policy coverage while you focus on recovery and treatment.

HSBC Life Goal Builder Investment Component

The investment component of HSBC Life Goal Builder offers a diverse range of options to help you grow your wealth. With access to over 70 world-class funds and flexible management features, you can tailor your investment strategy to match your financial goals and risk appetite.

Fund Variety

Choose from a wide selection of funds, including equity, balanced, and fixed income options. This diversity allows you to create a portfolio that aligns with your investment objectives and risk tolerance.

Professional Management

Funds are managed by experienced professionals who employ various investment strategies to optimize returns. This expertise can help navigate market fluctuations and identify growth opportunities.

Flexible Switching

Enjoy unlimited fund switching, allowing you to adjust your portfolio as market conditions or personal circumstances change. Switch between funds with a minimum value of $1,000 per fund.

Performance Tracking

Monitor your funds' historical performance to make informed decisions. While past performance doesn't guarantee future results, it can provide insights into fund behavior under various market conditions.

Fees and Charges

Understanding the fees and charges associated with HSBC Life Goal Builder is essential for effective financial planning. These costs cover various aspects of policy administration, fund management, and early termination scenarios.

Premium Allocation

There is no premium charge, meaning 100% of your basic premiums are allocated to your chosen funds. This allows for maximum investment potential from your contributions.

Administration Fee

A product administration fee applies for the first 24 policy years. After this period, the fee is waived, potentially increasing your policy's value in later years.

Fund Management

A competitive fund management charge of 1.25% applies. This fee covers the professional management of your chosen funds and is factored into the unit price.

Surrender Charges

Early policy termination may incur surrender charges. These charges decrease over time and are designed to recover costs associated with setting up and maintaining the policy.

Fill in your details to get started

or

By filling this out, you agree to allow us to contact you about insurance related information.

Learn more

1170+

Suggestions Facilitated

11+

Insurance Brands Represented

154+

MAS Licensed Advisors

Flexibility and Customization

HSBC Life Goal Builder offers various features that allow you to adapt your policy to changing financial needs and life circumstances. These flexible options help you maintain control over your investment and insurance coverage throughout the policy term.

Additional Investments

Make top-up premiums at any time, with a minimum amount of $500. This allows you to increase your investment when you have extra funds available.

Withdrawal Options

Enjoy unlimited ad hoc or pre-planned regular withdrawals. This feature can potentially create an income stream, especially when investing in dividend-paying funds.

Premium Break

Take a premium holiday if needed, allowing you to temporarily pause premium payments during financial constraints while maintaining your coverage.

Coverage Adjustment

Option to enhance death benefits up to 10 times the annual premium. This allows you to increase your protection as your financial responsibilities grow.

Conclusion

HSBC Life Goal Builder is an excellent choice for individuals seeking a flexible investment-linked insurance plan that combines wealth accumulation with lifelong protection. It's particularly well-suited for:
to get matched with 5 expert advisors who can provide diverse perspectives on your insurance options. By consulting with multiple advisors, you'll gain valuable insights to make an informed decision about your financial future. Plus, you'll be entered into our 'Premiums On Us' campaign, where you could win your quarterly insurance premiums paid by Whatins. Don't miss this opportunity to secure your future and potentially save on premiums – take the first step towards optimizing your wealth and protection today!