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HSBC Life Wealth Voyage is featured in our 6 Best Investment Linked Policies (ILPs) in Singapore (2024)
HSBC Life Wealth Voyage is a regular premium investment-linked plan that supports both newbies and seasoned investors to optimise the growth of your wealth at your preferred pace.
HSBC Life Wealth Voyage product details
- Life Policy – Investment-linked policy
- 3 premium terms to choose from:
- 15, 20 or 25 years
- Start-up bonus
- Receive Start-up bonus ranging from 15% – 30% of your regular premium in the first policy year, and 15% – 50% in the second policy year.
- Power-up bonus
- Receive Monthly power-up bonus of up to 1.0% p.a. of the prevailing value of your regular premium account; starting from policy year 3 for MIP of 20 and 25 years and policy year 6 for MIP of 15 years.
- Loyalty bonus
- Receive Monthly loyalty bonus of up to 1.2% p.a. of the prevailing value of your regular premium .
- Free premium holidays
- Take a holiday from paying your regular premium for up to 24 months with no charges incurred.
- Stay protected while you invest
- Complimentary protection against death and terminal illness up to age 99 and accidental death coverage up to age 75.
- No surprises on your account maintenance fee
- Anticipate your account maintenance fee from the onset and throughout the policy term
Read about: Investment-Linked Policy: Is it the best option?
Read about: 6 best Investment Linked Policies in Singapore (Updated)
Features of HSBC Life Goal Builder 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
N.A.
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
Read about: 5 ways to beat inflation in Singapore
HSBC Life Wealth Voyage may be suitable if you are looking for
HSBC Life Wealth Voyage 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
NEW Feature: Compare investment-linked policies across insurance companies using the CompareNOW feature on InterestGuru.sg.
HSBC Life Wealth Voyage may not be suitable if you are looking for
HSBC Life Wealth Voyage 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 Voyage
- How is HSBC Life or HSBC Life Wealth Voyage investment returns based on historical performance?
- How does HSBC Life Wealth Voyage compare with Investment-linked policies from other insurance companies?
- Can HSBC Life Wealth Voyage 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 Voyage. Talk to us or seek advice from a financial adviser before making any decision about HSBC Life Wealth Voyage.
Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering taking up.
Where can I compare the payout and benefits of Investment Linked Policies?
Before committing to an insurance policy, it certainly pays to make an effort to compare. Specific product features, benefits, and payouts will differ more than you think across insurance companies. Why regret only years later, when you find out that you are not getting the best insurance policy available for the premium paid?
Use our Compare NOW feature to receive the most competitive quotes on Investment linked Policies.
Alternatively, you just need to provide us with a couple of details below.
Is HSBC Life Wealth Builder suitable for me?
Contact InterestGuru using the form below. Our panel of partnered financial planners will advise accordingly, based on your financial profile and protection needs.
All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.
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