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HSBC Life Treasure III

HSBC Life

Category

Whole Life

Coverage

Death, Total Permanent Disability, Critical Illness, Terminal Illness

Coverage Term

Whole Life . Up to age 99

Overview

HSBC Life Treasure III is a participating whole life insurance plan that provides lifelong protection against death, terminal illness, and total and permanent disability up to age 99.

Key Features

  • Boost your base coverage by 2.5x, 3.5x, 4.5x, or 6x up to age 65, 70, or 80, after which the multiplier reduces by 10% annually for five years before permanently staying at 50%.
  • Includes accidental death and family support benefits, alongside options to attach comprehensive critical illness riders and feature to convert your surrender value into annual retirement payouts.

Earn up to 45% commission rebates*

*For eligible insurance plans only

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Understanding Whole Life Plan

Whole life insurance offers coverage for life and is commonly used for protection and legacy planning. This is unlike term insurance that only provides coverage for a specified period. Plans are usually offered on a participating basis and will accumulate cash value, allowing you to cash out should the need arise.

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Similar Plans

FWD Life Protection

FWD

Covers:

Death, Total Permanent Disability, Terminal Illness

  • Boost your coverage and get up to 5 times the basic sum insured.
  • Multiply your coverage and get up to 5 times the basic sum insured.
  • Select an age at which your multiplier benefit gradually reduces by 10% each policy year for 5 policy years. Benefit will remain the same thereafter.
  • Covers for up to age 120
Singlife Heritage Income

Singlife

Covers:

Terminal Illness, Death

  • Legacy Distribution Option for sub-policy splitting
  • Guaranteed breakeven as early as 2 years after Accumulation Period
  • Continuity features via Change of Life Assured and Secondary Life Assured.
  • 100% Capital Guaranteed from Policy Year 10 onwards.
Essential Lifetime Secure

Etiqa

Covers:

Death, Total Permanent Disability, Terminal Illness

  • Multiply your coverage and get up to 5 times the basic sum insured.
  • Select an age at which your multiplier benefit gradually reduces by 10% each policy year for 5 policy years. Benefit will remain the same thereafter.
Singlife Whole Life Choice

Singlife

Covers:

Death, Terminal Illness

  • Boost your coverage by up to 400% of your base sum assured.
  • Select an age at which your additional cover gradually reduces by 12.5% per year over eight years.
Complete Life Secure

Income Insurance

Covers:

Death, Total Permanent Disability

  • Boost your coverage with a Multiplier Cover of up to 500% until the age of 65, 75 or 80.
  • Option to convert a portion of your sum asssured into annual cash payout.
  • Purchase another life policy and increase death and total permanent disability coverage without a health assessment at specified major milestones.
LifeReady Plus II

Manulife

Covers:

Death, Terminal Illness, Total Permanent Disability

  • Enhance your protection up to 5X, till age 70 or 80.
  • Receive upfront premium discounts for the first 2 policy years, and continue to enjoy the discounted premium if you meet our health targets.