In today's world, where wealth accumulation is often the primary focus, HSBC Life Jade Ultra Legacy Universal Life stands out by emphasizing something truly priceless - your name and the legacy you leave behind . This unique universal life plan is designed for individuals and business owners who seek high life insurance protection up to age 80 , coupled with potential wealth accumulation for future generations or charitable causes. Let's dive deep into what makes this plan special and how it can help secure your legacy for generations to come.

HSBC Life Jade Ultra Legacy Universal Life is a comprehensive insurance plan that goes beyond traditional life coverage. It's tailored for those who want to ensure their name lives on, whether through family inheritance or charitable giving . This plan offers high life insurance protection until age 80, combined with potential wealth accumulation features. It's designed to be flexible, allowing you to customize the solution to meet a wide range of estate planning needs.

Death Benefit: As long as your policy is in force, it provides a death benefit equal to the sum insured or account value, whichever is higher at the time of the life insured's death.

Guaranteed Interest Rate Lock: This feature allows you to secure a guaranteed crediting rate on your first premium payment for a specified period, depending on your chosen currency and premium type.

Policy Currency Options: You have the flexibility to pay premiums in USD, AUD, or GBP. You can also switch currencies once per policy year after the first policy anniversary.

No-Lapse Guarantee (NLG) Benefit Option: If selected, this ensures your specified sum insured remains in force until the death of the life insured or age 100, whichever comes first. This is currently available only for USD single premium policies.

Premium Payment Choice: You can opt for a single premium or spread it into regular annual instalments over 2 to 10 years.

Accessing Your Policy Account Value: After the first policy anniversary, you can access your account value through policy loans or partial surrenders, subject to terms and conditions.

Charitable Giving and Accelerated Death Benefits: These unique features allow you to leave a legacy to a chosen charity and provide financial support in case of terminal illness.

Multi-Generational Planning: You have the flexibility to change the life insured or transfer policy ownership, making it an excellent tool for long-term family financial planning.

HSBC Life Jade Ultra Legacy Universal Life is ideal for:

1. High-net-worth individuals looking for substantial life coverage

2. Business owners seeking key person insurance

3. Those interested in multi-generational wealth transfer

4. Individuals who want to leave a charitable legacy

5. People seeking flexible premium payment options and currency choices

1. The account and cash value of your policy will fluctuate based on crediting rates, charges, additional premiums, withdrawals, and loans.

2. The general crediting rate can change after the rate lock period but won't fall below the guaranteed minimum (1.6% p.a. for USD, 1% p.a. for GBP, no minimum for AUD).

3. Your policy may lapse if the account value/cash value falls to zero, unless you make additional premium payments or have chosen the NLG benefit.

4. Surrender charges may apply for early policy termination.

Remember, buying life insurance is a long-term commitment. Consider your financial goals, risk tolerance, and current financial situation before purchasing.

HSBC Life Jade Ultra Legacy Universal Life offers a unique combination of high life insurance coverage, potential wealth accumulation, and legacy planning features . Its flexibility in currency options, premium payments, and beneficiary designations makes it a powerful tool for those looking to secure their financial legacy. However, its complexity and high minimum sum insured mean it's not suitable for everyone.

As with any significant financial decision, it's crucial to seek professional advice to ensure this plan aligns with your overall financial strategy and goals. Your legacy is more than just money - it's about the impact you leave on future generations and the causes you care about. HSBC Life Jade Ultra Legacy Universal Life provides a sophisticated way to ensure your name lives on, exactly as you intend.

Ready to explore how HSBC Life Jade Ultra Legacy Universal Life can secure your legacy? Don't rely on just one perspective. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on how this plan can fit into your overall financial strategy. These professionals will review your specific needs and provide personalized recommendations, helping you make the most informed decision possible.

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By consulting with multiple experts, you'll gain a comprehensive understanding of how this plan can work for you and ensure you're making the best choice for your legacy. Don't leave your financial future to chance – get the expert advice you deserve today.