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Investment Linked Plan

HSBC Life Wealth Harvest: Sow Today for a Bountiful Financial Future

Planning for your financial future is crucial in today's ever-changing economic landscape. HSBC Life Wealth Harvest offers a unique opportunity to cultivate your wealth while enjoying life insurance protection. This innovative investment-linked plan allows you to grow your assets with 100% of your regular premiums invested in units. With features like zero account maintenance fees after 11 years and dividend payout options, HSBC Life Wealth Harvest empowers you to work towards the golden retirement you deserve. Whether you're looking to accelerate your wealth accumulation or create a lasting financial legacy, this plan provides the tools to help you achieve your long-term financial goals.

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How Investment-Linked Policies (ILPs) Work

Investment-Linked Policies (ILPs) combine life insurance protection with investment opportunities. In an ILP like HSBC Life Wealth Harvest, your premiums are used to purchase units in investment-linked sub-funds of your choice. These sub-funds are professionally managed and invest in various assets such as stocks, bonds, and other securities. The value of your policy fluctuates based on the performance of the chosen funds. ILPs offer flexibility in premium allocation between insurance coverage and investments, allowing you to adjust your protection and investment mix as your needs change. With HSBC Life Wealth Harvest, you have access to a diverse selection of nearly 70 unique investment-linked sub-funds, catering to different risk appetites and investment goals.

HSBC Life Wealth Harvest Insurance Coverage

HSBC Life Wealth Harvest provides essential insurance coverage to protect you and your loved ones. The policy offers financial security through its death benefit and total and permanent disability (TPD) benefit. These features ensure that you have a safety net in place for life's uncertainties while you focus on growing your wealth.

Death Benefit

In the event of the life assured's passing, HSBC Life Wealth Harvest provides a death benefit to the beneficiaries. This benefit typically includes the higher of the sum assured or the account value, ensuring financial protection for your loved ones.

TPD Benefit

If the life assured suffers from total and permanent disability, the policy offers a TPD benefit. This benefit provides financial support during challenging times, helping to maintain quality of life and cover ongoing expenses.

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HSBC Life Wealth Harvest Rider Options

HSBC Life Wealth Harvest offers additional rider options to enhance your coverage and tailor the policy to your specific needs. These riders provide extra layers of protection and benefits, allowing you to customize your insurance plan. While specific rider details are not provided in the given product information, it's common for investment-linked policies to offer riders such as critical illness coverage, hospital income benefits, or additional accident protection.

Start-up Bonus

Enjoy a 35% start-up bonus on your first year premium, giving your investment a significant boost right from the beginning.

Loyalty Bonus

Receive a loyalty bonus of 0.35% per annum on account value from the 10th year to the end of your policy, rewarding your long-term commitment.

Life Replacement Option

The Life Replacement Option (LRO) allows you to transfer your plan to your spouse or child below 18 years old, providing flexibility for legacy planning.

HSBC Life Wealth Harvest Investment Component

HSBC Life Wealth Harvest offers a robust investment component designed to help you grow your wealth over time. With a diverse selection of investment-linked sub-funds and flexible options for managing your investments, this plan provides the tools you need to work towards your financial goals.

Fund Selection

Choose from nearly 70 unique investment-linked sub-funds, including dividend-paying options. This wide range allows you to create a diversified portfolio tailored to your risk tolerance and financial objectives.

Investment Strategies

Funds are professionally managed with various investment strategies. You can select funds that align with your preferred approach, whether it's growth-oriented, income-focused, or a balanced strategy.

Fund Switching

Enjoy the flexibility to switch between funds as your investment goals or market conditions change. This feature allows you to adapt your portfolio over time.

Performance Tracking

Monitor the performance of your chosen funds regularly. While past performance doesn't guarantee future results, it can provide insights into fund management and market trends.

Fees and Charges

Understanding the fees and charges associated with HSBC Life Wealth Harvest is crucial for making an informed decision. These costs impact your overall returns and should be considered when evaluating the policy's suitability for your financial goals.

Premium Allocation

100% of your regular premiums are invested in units, maximizing your investment potential from the start.

Account Maintenance

No account maintenance fee is charged after 11 years, significantly reducing your long-term investment costs.

Fund Management

Fund management fees are incorporated into the unit price of each sub-fund. These fees vary depending on the specific funds chosen.

Surrender Charges

Early termination of the policy may incur surrender charges. The surrender value may be zero or less than the total premiums paid, especially in the early years of the policy.

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Flexibility and Customization

HSBC Life Wealth Harvest offers various features that provide flexibility and allow you to customize the policy to your changing needs. These options help you adapt your investment and insurance strategy as your life circumstances evolve.

Premium Top-ups

You have the option to make additional investments through premium top-ups, allowing you to capitalize on market opportunities or increase your savings when you have extra funds available.

Partial Withdrawals

The policy allows for partial withdrawals, giving you access to your funds when needed. However, withdrawals may affect your loyalty bonus eligibility for the subsequent 12 policy months.

Premium Holiday

You can take a break from premium payments through a premium holiday option. This feature is subject to charges from policy years 2 to 11 but becomes charge-free from policy year 12 onwards.

Dividend Options

For dividend-paying sub-funds, you can choose to receive dividends in cash or reinvest them to further grow your wealth, providing flexibility in managing your investment returns.

Conclusion

HSBC Life Wealth Harvest offers a compelling solution for individuals seeking to combine life insurance protection with long-term wealth accumulation. This plan is particularly well-suited for:
to be matched with five different insurance advisors who can provide diverse insights on your insurance options. Plus, by meeting with advisors, you'll earn entries into our 'Premiums On Us' quarterly draw, where you could win your insurance premiums paid by Whatins. Don't miss this opportunity to make an informed decision about your financial future and potentially save on your premiums!