HSBC Life Wealth Invest Review

HSBC Life Wealth Invest is an investment-linked plan that offers a wide choice of funds managed by established fund managers, flexible payment options, and life cover.

HSBC Life Wealth Invest product details

• Life Policy – Investment-linked policy
• Choose which monies to invest with
  • Premiums can be paid using your Cash, Supplementary Retirement Scheme (SRS), Central Provident Fund Ordinary Account (CPF-OA) or Special Account (CPF-SA) monies.
• Free Fund Switch
  • Adapt your investments to evolving market conditions with free fund switches and withdrawals, ad-hoc top-ups or recurring single premiums.
• Guaranteed Acceptance
  • No medical checks are required to take up this investment-linked policy.
• Covered for life, for free
  • Your beneficiaries will have financial protection in the event that you pass away or suffer a terminal illness.
    
    

Read about: Investment-Linked Policy: Is it the best option?

Read about: 6 Best Investment Linked Policies in Singapore (Updated)

Features of HSBC Life Wealth Invest at a glance

Cash and Cash Withdrawal Benefits
Cash value: Yes
Cash withdrawal benefits: Yes

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
Nil

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.

Read about: Effects of compounding returns on your investments

HSBC Life Wealth Invest may be suitable if you are looking for

HSBC Life Wealth Invest may potentially be a good fit if the following matters to you:

• To participate in the long-term financial returns of investing
• A full-forced investment-linked policy with minimal insurance coverage
• Able to take investment risks and comfortable with financial market volatility
• Regular-pay premium term investment plan
• Take unlimited premium holidays after the end of the minimum investment period
• Potentially higher financial returns compared to traditional Endowment and Whole Life policies.
• Insurance options without medical underwriting
  
  

Read about: An introduction to Investment Linked Policy

HSBC Life Wealth Invest may not be suitable if you are looking for

HSBC Life Wealth Invest may potentially be a bad fit if the following matters to you:

• Health and Protection coverage
• High Death and Terminal Illness coverage
• Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
• Guaranteed financial returns in the long run
• Single premium investment option with no further financial commitment
• Insurance policy with a high surrender value in the early years of the policy
• Expecting an urgent need for withdrawal during a financial market downturn
  
  

Further considerations on HSBC Life Wealth Invest

• How is HSBC Life or HSBC Life Wealth Invest investment returns based on historical performance?
• How does HSBC Life Wealth Invest compare with Investment-linked policies from other insurance companies?
• Can HSBC Life Wealth Invest fulfill my financial, insurance, health, and protection needs?
  
  

The above information may not fully highlight all the product details and features of HSBC Life Wealth Invest. Talk to us or seek advice from a financial adviser before making any decision about HSBC Life Wealth Invest.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering taking up.

Is HSBC Life Wealth Invest suitable for me?