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Life insurance

Enjoy life knowing you have the right support and protection whenever you ever need it.

知道您所选择的一系列灵活多样的人寿保险产品已在保障您和家人的未来,您即可自在安心。

Our life insurance products can play a part in wealth management and legacy planning for you and your family. We provide you with a wide range of reliable protection plans and flexible options to suit your needs and assure you a hassle-free future.

Insurance product range may vary across different channels. To know more about the product scope or product details, please visit our branches (For details, please refer to:List of insurance products for distribution). Our Customer Relationship Managers will be pleased to provide you with financial planning review services and an analysis on your protection needs.

Contact us

HSBC China Customer Service Hotline

95366

(24 H, Mon - Sun)

Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan

Family protection

Allianz An Shun Hui Fu (III) Insurance Plan

Allianz An Shun Hui Fu (III) Insurance Plan provides you with lifetime protection for the value of your life. Choose from two distinct plans to give the protection function full play and help pass on your wealth to future generations. An Shun Hui Fu (III)'s dividend can be chosen to transfer to "An Ying Tian Li (II)" Universal Account. The minimum guaranteed interest rate of "An Ying Tian Li" is 1.5%, which helps build a stable wealth structure to fulfill life's occasional needs. (This insurance product plan consists of Allianz An Shun Hui Fu (III) Whole Life Insurance (Participating) and Allianz An Ying Tian Li (II) Whole Life Insurance (Universal), both of which can be purchased separately.)

Allianz Sheng Shi Zhen Chuan (III) Whole of Life Insurance (Participating) (Exclusive for HSBC Premier Elite and Global Private Banking customers)

Allianz Sheng Shi Zhen Chuan (III) Whole Life Insurance (Participating)is dedicated for HSBC Premier Elite and Global Private Banking customers. Providing a lifelong protection with accumulated reversionary dividend and terminal dividend, and a preferred premium rate will be offered if you are in health condition.

HSBC Hui Ying Jia Type B Whole Life Insurance

Build a future your family can rely on with this product for your protection and legacy planning, no matter the stage of life you're at.

HSBC Hui Chuan Shi Whole Life Insurance (participating)

Build a future your family can rely on. This product offers protection, and legacy planning, and dividends that can increase policy coverage, no matter the stage of life you're at.

Retirement planning

MetLife Du Hui Xin Chuan (Premium version) Whole of Life Insurance(Participating)

Provides death and total disability protection, covering the entire life cycle,  safely accompany you at different stages of life. The effective sum assured continues to grow, enjoying the policy dividends based on guaranteed protection benefit and gain wealth growth while the protection is upgraded.

HSBC Hong Li Yue Yue Ying Zeng Li Insurance Plan – Type C

This product plan comprises two products: HSBC Hong Li Yue Yue Ying Annuity Insurance - Type C (participating) and HSBC Hui Zeng Li Whole Life Insurance Type C (Universal), both of which can be purchased separately.

Allianz An Yu Ru Yi Insurance Plan

With Allianz An Yu Ru Yi (III) Annuity Insurance (Par.), you can decide your own pension collection date applying following restriction: no earlier than five years after the policy is in force or by the end of the payment period, whichever is later. It meets your needs for at various life stages such as education and retirement with a variety of protection tenor.

Allianz An Ying Tian Li (II) Whole Life Insurance (Universal)

Get guaranteed returns with a minimum of 1.5% p.a. interest in a universal account and take advantage of compound growth based on the effective annual interest rate. You can also enrich your plan by adding other annuity products — that's how you get greater peace of mind in your lifelong wealth planning and fulfil your needs in children’s education, legacy planning and other areas.  (This universal life insurance product and other annuity products can be purchased separately).

HSBC Hong Li Xian Feng Zeng Li Insurance Plan – Type C

This product plan comprises two products: HSBC Hong Li Xian Feng Annuity Insurance (Participating) and HSBC Hui Zeng Li Whole Life Insurance Type C (Universal), both of which can be purchased separately.

Ping An Ying Zun 2.0 Whole of Life Insurance

The coverage for the current year has been increased by 2.5% per year, regardless of economic volatility. The cash value will increase year on year so you can keep building your wealth without worry. The insured value remains protected so your loved ones can enjoy long-term prosperity as your beneficiaries.

Ping An Yu Xiang Xin Rui 3.0 Annuity Insurance

Ping An Yu Xiang Xin Rui 3.0 Annuity Insurance can provide you with stable cash flow after retirement as a supplement to your pension. After the payment period reaches a certain year, the cash value will increase by approximately 2.5% year by year, providing you with long-term and stable pension allocation, thus to avoid the decline in quality of life caused by reduced income after retirement, and ensure the quality of retirement life.

MetLife Du Hui Xin Fu Whole of Life Insurance

The effective sum assured will be increased according to the basic sum assured at an annual compound interest rate of 2.5% from the 2nd insurance policy year until the insurance policy year in which the insured reaches the age of 105. Provides lifetime death and total disability protection.

HSBC Hui Xiang Jin Sheng Zeng Li Insurance Plan – Type C

This product plan comprises two products: HSBC Hui Xiang Jin Sheng Annuity Insurance (Participating) and HSBC Hui Zeng Li Whole Life Insurance Type C (Universal), both of which can be purchased separately.

HSBC Hui Zeng Li Whole Life Insurance Type C (Universal)

This universal insurance plan adds a monthly payout to your account with a guaranteed 1.5% p.a. interest, plus non-guaranteed benefits.

HSBC Hong Li Nian Nian Ying Zeng Li Insurance Plan – Type C

This product plan comprises two products: HSBC Hong Li Nian Nian Ying Annuity Insurance - Type C (participating) and HSBC Hui Zeng Li Whole Life Insurance Type C (Universal), both of which can be purchased separately.

Ping An Yu Xiang Chuan Jia 3.0 Whole of Life (Participating)

To provide you with a life-long protection plan, after paying a certain year, the cash value will begin to increase year by year according to about 2.0%, increasing to life. Enjoy the right to participate in the distribution of distributable surplus in the dividend insurance business, if you choose to pay the increase at the time of purchase, you may enjoy a double increase in the amount of protection; The deceased beneficiary can be designated to pass on the death benefit according to his wishes and protect the long-lasting family business.

Education

MetLife Du Hui Xin Chuan (Premium version) Whole of Life Insurance(Participating)

Provides death and total disability protection, covering the entire life cycle,  safely accompany you at different stages of life. The effective sum assured continues to grow, enjoying the policy dividends based on guaranteed protection benefit and gain wealth growth while the protection is upgraded.

HSBC Hong Li Yue Yue Ying Zeng Li Insurance Plan – Type C

This product plan comprises two products: HSBC Hong Li Yue Yue Ying Annuity Insurance - Type C (participating) and HSBC Hui Zeng Li Whole Life Insurance Type C (Universal), both of which can be purchased separately.

Allianz An Yu Ru Yi Insurance Plan

With Allianz An Yu Ru Yi (III) Annuity Insurance (Par.), you can decide your own pension collection date applying following restriction: no earlier than five years after the policy is in force or by the end of the payment period, whichever is later. It meets your needs for at various life stages such as education and retirement with a variety of protection tenor.

Allianz An Ying Tian Li (II) Whole Life Insurance (Universal)

Get guaranteed returns with a minimum of 1.5% p.a. interest in a universal account and take advantage of compound growth based on the effective annual interest rate. You can also enrich your plan by adding other annuity products — that's how you get greater peace of mind in your lifelong wealth planning and fulfil your needs in children’s education, legacy planning and other areas.  (This universal life insurance product and other annuity products can be purchased separately).

MetLife Du Hui Xin Fu Whole of Life Insurance

The effective sum assured will be increased according to the basic sum assured at an annual compound interest rate of 2.5% from the 2nd insurance policy year until the insurance policy year in which the insured reaches the age of 105. Provides lifetime death and total disability protection.

HSBC Hong Li Xian Feng Zeng Li Insurance Plan – Type C

This product plan comprises two products: HSBC Hong Li Xian Feng Annuity Insurance (Participating) and HSBC Hui Zeng Li Whole Life Insurance Type C (Universal), both of which can be purchased separately.

Ping An Yu Xiang Chuan Jia 3.0 Whole of Life (Participating)

To provide you with a life-long protection plan, after paying a certain year, the cash value will begin to increase year by year according to about 2.0%, increasing to life. Enjoy the right to participate in the distribution of distributable surplus in the dividend insurance business, if you choose to pay the increase at the time of purchase, you may enjoy a double increase in the amount of protection; The deceased beneficiary can be designated to pass on the death benefit according to his wishes and protect the long-lasting family business.

Managing and growing wealth

MetLife Du Hui Xin Chuan (Premium version) Whole of Life Insurance(Participating)

Provides death and total disability protection, covering the entire life cycle,  safely accompany you at different stages of life. The effective sum assured continues to grow, enjoying the policy dividends based on guaranteed protection benefit and gain wealth growth while the protection is upgraded.

Allianz An Ying Tian Li (II) Whole Life Insurance (Universal)

Get guaranteed returns with a minimum of 1.5% p.a. interest in a universal account and take advantage of compound growth based on the effective annual interest rate. You can also enrich your plan by adding other annuity products — that's how you get greater peace of mind in your lifelong wealth planning and fulfil your needs in children’s education, legacy planning and other areas.  (This universal life insurance product and other annuity products can be purchased separately).

HSBC Hong Li Xian Feng Zeng Li Insurance Plan – Type C

This product plan comprises two products: HSBC Hong Li Xian Feng Annuity Insurance (Participating) and HSBC Hui Zeng Li Whole Life Insurance Type C (Universal), both of which can be purchased separately.

Ping An Ying Zun 2.0 Whole of Life Insurance

The coverage for the current year has been increased by 2.5% per year, regardless of economic volatility. The cash value will increase year on year so you can keep building your wealth without worry. The insured value remains protected so your loved ones can enjoy long-term prosperity as your beneficiaries.

Ping An Yu Xiang Xin Rui 3.0 Annuity Insurance

Ping An Yu Xiang Xin Rui 3.0 Annuity Insurance can provide you with stable cash flow after retirement as a supplement to your pension. After the payment period reaches a certain year, the cash value will increase by approximately 2.5% year by year, providing you with long-term and stable pension allocation, thus to avoid the decline in quality of life caused by reduced income after retirement, and ensure the quality of retirement life.

MetLife Du Hui Xin Fu Whole of Life Insurance

The effective sum assured will be increased according to the basic sum assured at an annual compound interest rate of 2.5% from the 2nd insurance policy year until the insurance policy year in which the insured reaches the age of 105. Provides lifetime death and total disability protection.

HSBC Zun Ying Shi Dai Whole of Life Insurance (Participating) (Premier Elite customers/Private customers only)

This product is designed for high net worth customers to better fulfill their needs on wealth and legacy management, and grow their wealth over the long term.

HSBC Zhen Ying Shi Dai Type B Whole Life Insurance (Participating)

Get life-long protection for you and your family, and broaden the horizons for the next generation. This plan is suitable for individuals aged 30 days to 70 years.

HSBC Hui Xiang Jin Sheng Zeng Li Insurance Plan – Type C

This product plan comprises two products: HSBC Hui Xiang Jin Sheng Annuity Insurance (Participating) and HSBC Hui Zeng Li Whole Life Insurance Type C (Universal), both of which can be purchased separately.

HSBC Hui Zeng Li Whole Life Insurance Type C (Universal)

This universal insurance plan adds a monthly payout to your account with a guaranteed 1.5% p.a. interest, plus non-guaranteed benefits.

Ping An Yu Xiang Chuan Jia 3.0 Whole of Life (Participating)

To provide you with a life-long protection plan, after paying a certain year, the cash value will begin to increase year by year according to about 2.0%, increasing to life. Enjoy the right to participate in the distribution of distributable surplus in the dividend insurance business, if you choose to pay the increase at the time of purchase, you may enjoy a double increase in the amount of protection; The deceased beneficiary can be designated to pass on the death benefit according to his wishes and protect the long-lasting family business.

Legacy planning

MetLife Du Hui Xin Chuan (Premium version) Whole of Life Insurance(Participating)

Provides death and total disability protection, covering the entire life cycle,  safely accompany you at different stages of life. The effective sum assured continues to grow, enjoying the policy dividends based on guaranteed protection benefit and gain wealth growth while the protection is upgraded.

HSBC Hong Li Yue Yue Ying Zeng Li Insurance Plan – Type C

This product plan comprises two products: HSBC Hong Li Yue Yue Ying Annuity Insurance - Type C (participating) and HSBC Hui Zeng Li Whole Life Insurance Type C (Universal), both of which can be purchased separately.

Allianz An Yu Ru Yi Insurance Plan

With Allianz An Yu Ru Yi (III) Annuity Insurance (Par.), you can decide your own pension collection date applying following restriction: no earlier than five years after the policy is in force or by the end of the payment period, whichever is later. It meets your needs for at various life stages such as education and retirement with a variety of protection tenor.

Allianz Sheng Shi Zhen Chuan (III) Whole of Life Insurance (Participating) (Exclusive for HSBC Premier Elite and Global Private Banking customers)

Allianz Sheng Shi Zhen Chuan (III) Whole Life Insurance (Participating)is dedicated for HSBC Premier Elite and Global Private Banking customers. Providing a lifelong protection with accumulated reversionary dividend and terminal dividend, and a preferred premium rate will be offered if you are in health condition.

Allianz An Ying Tian Li (II) Whole Life Insurance (Universal)

Get guaranteed returns with a minimum of 1.5% p.a. interest in a universal account and take advantage of compound growth based on the effective annual interest rate. You can also enrich your plan by adding other annuity products — that's how you get greater peace of mind in your lifelong wealth planning and fulfil your needs in children’s education, legacy planning and other areas.  (This universal life insurance product and other annuity products can be purchased separately).

Allianz An Shun Hui Fu (III) Insurance Plan

Allianz An Shun Hui Fu (III) Insurance Plan provides you with lifetime protection for the value of your life. Choose from two distinct plans to give the protection function full play and help pass on your wealth to future generations. An Shun Hui Fu (III)'s dividend can be chosen to transfer to "An Ying Tian Li (II)" Universal Account. The minimum guaranteed interest rate of "An Ying Tian Li" is 1.5%, which helps build a stable wealth structure to fulfill life's occasional needs. (This insurance product plan consists of Allianz An Shun Hui Fu (III) Whole Life Insurance (Participating) and Allianz An Ying Tian Li (II) Whole Life Insurance (Universal), both of which can be purchased separately.)

HSBC Hong Li Xian Feng Zeng Li Insurance Plan – Type C

This product plan comprises two products: HSBC Hong Li Xian Feng Annuity Insurance (Participating) and HSBC Hui Zeng Li Whole Life Insurance Type C (Universal), both of which can be purchased separately.

HSBC Hui Ying Jia Type B Whole Life Insurance

Build a future your family can rely on with this product for your protection and legacy planning, no matter the stage of life you're at.

HSBC Hui Chuan Shi Whole Life Insurance (participating)

Build a future your family can rely on. This product offers protection, and legacy planning, and dividends that can increase policy coverage, no matter the stage of life you're at.

Ping An Ying Zun 2.0 Whole of Life Insurance

The coverage for the current year has been increased by 2.5% per year, regardless of economic volatility. The cash value will increase year on year so you can keep building your wealth without worry. The insured value remains protected so your loved ones can enjoy long-term prosperity as your beneficiaries.

Ping An Yu Xiang Xin Rui 3.0 Annuity Insurance

Ping An Yu Xiang Xin Rui 3.0 Annuity Insurance can provide you with stable cash flow after retirement as a supplement to your pension. After the payment period reaches a certain year, the cash value will increase by approximately 2.5% year by year, providing you with long-term and stable pension allocation, thus to avoid the decline in quality of life caused by reduced income after retirement, and ensure the quality of retirement life.

MetLife Du Hui Xin Fu Whole of Life Insurance

The effective sum assured will be increased according to the basic sum assured at an annual compound interest rate of 2.5% from the 2nd insurance policy year until the insurance policy year in which the insured reaches the age of 105. Provides lifetime death and total disability protection.

HSBC Zun Ying Shi Dai Whole of Life Insurance (Participating) (Premier Elite customers/Private customers only)

This product is designed for high net worth customers to better fulfill their needs on wealth and legacy management, and grow their wealth over the long term.

HSBC Zhen Ying Shi Dai Type B Whole Life Insurance (Participating)

Get life-long protection for you and your family, and broaden the horizons for the next generation. This plan is suitable for individuals aged 30 days to 70 years.

HSBC Hui Xiang Jin Sheng Zeng Li Insurance Plan – Type C

This product plan comprises two products: HSBC Hui Xiang Jin Sheng Annuity Insurance (Participating) and HSBC Hui Zeng Li Whole Life Insurance Type C (Universal), both of which can be purchased separately.

HSBC Hui Zeng Li Whole Life Insurance Type C (Universal)

This universal insurance plan adds a monthly payout to your account with a guaranteed 1.5% p.a. interest, plus non-guaranteed benefits.

HSBC Hong Li Nian Nian Ying Zeng Li Insurance Plan – Type C

This product plan comprises two products: HSBC Hong Li Nian Nian Ying Annuity Insurance - Type C (participating) and HSBC Hui Zeng Li Whole Life Insurance Type C (Universal), both of which can be purchased separately.

Ping An Yu Xiang Chuan Jia 3.0 Whole of Life (Participating)

To provide you with a life-long protection plan, after paying a certain year, the cash value will begin to increase year by year according to about 2.0%, increasing to life. Enjoy the right to participate in the distribution of distributable surplus in the dividend insurance business, if you choose to pay the increase at the time of purchase, you may enjoy a double increase in the amount of protection; The deceased beneficiary can be designated to pass on the death benefit according to his wishes and protect the long-lasting family business.

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Frequently asked questions

1. All the insurance products mentioned on this site are designed, developed and managed by other insurance companies. HSBC Bank (China) Company Limited, as the insurance agent for distribution of relevant insurance products, is not responsible for any matters in relation to the underwriting, policy cancelation, claims and risk management. 

2. Whilst every care has been taken in preparing the information above, HSBC Bank (China) Company Limited makes no guarantee, representation or warranty as to its accuracy or completeness. 

3. The information above is not and should not be regarded as an offer to sell or a solicitation for an offer to buy any financial product, and should not be considered as investment. For all the  related rights and obligations, please refer to the corresponding product documents provided by HSBC Bank (China). And plesae note the important information, such as excluded liabilities, surrender, cash value and cooling-off period etc.