HSBC Life Emerald Legacy Life III is a single premium whole life plan that offers high protection coverage up to age 99, preserving wealth and growing your legacy to meet the future needs of your loved ones.
HSBC Life Emerald Legacy Life III product details
- Life policy – Universal Life Insurance
- Single premium.
- Whole of life coverage.
- Coverage for death and terminal illness, up to age 99.
- Replacement of life insured.
- Option to replace the life insured when the need arises, for both corporate and individual policies.
- Quit smoking incentive..
- 5% of the single premium paid will be refunded to you when the life insured quits smoking anytime within the first 4 policy years.
- Choice of currency.
- Choose between SGD or USD.
- Guaranteed cash value.
- Your policy has cash value equivalent to 82% of single premium paid on Day 1. In addition, you can accumulate policy cash value with non-guaranteed reversionary bonus and terminal bonus, which may be declared from time to time.
- Minimum Protection Cover (MPC) with Option to Cover to Age 85 or 99.
- Get higher guaranteed coverage with added flexibility through MPC. Whether it’s maintaining the same coverage at 100% or reducing it to 80%, you can extend your MPC to age 99 with Life Extender Booster at the point of application, every 5th policy anniversary or after any life event before age 70.
- Get higher guaranteed coverage with added flexibility through MPC. Whether it’s maintaining the same coverage at 100% or reducing it to 80%, you can extend your MPC to age 99 with Life Extender Booster at the point of application, every 5th policy anniversary or after any life event before age 70.
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Features of HSBC Life Emerald Legacy Life III at a glance
Cash and Cash Withdrawal Benefits
Cash value: Yes
Cash withdrawal benefits: No
Health and Insurance Coverage
Death: Yes
Total Permanent Disability: No
Terminal Illness: Yes
Critical Illness: No
Early Critical Illness: No
Health and Insurance Coverage Multiplier
Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No
Optional Add-on Riders
Yes
Additional Features and Benefits
Yes.
For further information and details, refer to HSBC Life website. Alternatively, fill-up the form below and let us advise accordingly.
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