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.
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Family protection
Allianz An Shun Hui Fu (5.0) Insurance Plan
Allianz An Shun Hui Fu (5.0) Insurance Plan provides you with lifetime protection for the value of your life. Choose from three distinct plans to give the protection function full play and help pass on your wealth to future generations. An Shun Hui Fu (5.0)'s dividend (if any) can be chosen to transfer to "An Ying Tian Li Retirement Annuity" Universal Account. The minimum guaranteed interest rate of "An Ying Tian Li" is 1.0%, which helps build a stable wealth structure to fulfill life's occasional needs. (This insurance product plan consists of Allianz An Shun Hui Fu (5.0) Whole Life Insurance (Participating) and Allianz An Ying Tian Li Retirement Annuity Insurance (Universal), both of which can be purchased separately.)
Allianz Sheng Shi Zhen Chuan (5.0) Whole of Life Insurance (Participating) (Exclusive for HSBC Premier Elite and Global Private Banking customers)
Allianz Sheng Shi Zhen Chuan (5.0) 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 Yu Ying Jia Type C Whole Life Insurance (Participating)
This product can fulfill the protection and wealth management needs, it provides 2 plans for customers to choose.
Plan1: Level Sum Assured, the Effective Sum Assured of Basic Sum Assured equals to the Basic Sum Assured.
Plan2: Decreasing Sum Assured, the Effective Sum Assured of Basic Sum Assured decreases annually since age 68, but will not less than 63% of the Basic Sum Assured, to meet the protection needs across different life stages.
Retirement planning
MetLife Du Hui Zhen Chuan You Xiang 2026B Kuan Whole of Life Insurance (Participating)
Increasing coverage, an enriched life;
Bonus dividends add brilliance and fuel growth;
Long-term planning ensures a legacy well passed on.
Allianz An Ying Ru Yi (Pro version) Insurance Plan
With Allianz An Ying Ru Yi (Pro version) Annuity Insurance (Participating), you can decide your own pension collection date applying following restriction: no earlier than five years after the policy is in force. It meets your needs for at various life stages with a variety of protection tenor. Allianz An Ying Ru Yi (Pro version)'s annuity and dividend (if any) can be chosen to transfer to "An Ying Tian Li Retirement Annuity" Universal Account. The minimum guaranteed interest rate of "An Ying Tian Li" is 1.0%, which helps build a stable wealth structure to fulfill life's occasional needs. (This insurance product plan consists of Allianz An Ying Ru Yi (Pro version) Annuity Insurance (Participating) and Allianz An Ying Tian Li Retirement Annuity Insurance (Universal), both of which can be purchased separately.)
Allianz An Ying Tian Li Retirement Annuity Insurance (Universal)
Get guaranteed returns with a minimum of 1.0% 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 / participating whole life 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 / whole life products can be purchased separately).
MetLife Du Hui Yue Xiang Whole of Life Insurance
Growing Coverage, Steady Accumulation
Lifelong Protection, Seamless Legacy
Flexible Planning, Confident Living
MetLife Du Hui Zhen Chuan Zun Xiang 2026B Kuan Whole of Life Insurance (Participating)
Increasing coverage, a life of distinction;
Bonus dividends add color and drive growth;
Targeted legacy planning, love that endures.
Ping An Xin Rui Retirement Annuity Insurance
Ping An Xin Rui Retirement Annuity Insurance offers scheduled withdrawals, maturity benefits, and future legacy planning; after a certain number of years post premium payment term, cash value increases by approximately 2.0% annually. Flexibility to adjust pension withdrawal timing and methods helps reduce policyholder pressure.
Ping An Xin Rui You Xiang Retirement Annuity Insurance - Type A (Participating)
This product offers a selectable start date for pension benefits, with more flexible payout timing options. Its cash value grows steadily and continuously, increasing at approximately 1.75% per annum after a certain number of years following the completion of premium payments. It also entitles the policyholder to share in the distributable dividends of the participating insurance business. In addition, both the timing and the method of pension benefit payments can be adjusted as needed.
HSBC Hui Ying Jing Cai Annuity Insurance (Participating)
Tailored for education and retirement planning, combining wealth management with legacy planning
Flexible withdrawal options: choose to receive annuity payments monthly or annually
Both annuity and bonus payments support the paid-up additional option
HSBC Le Xiang Jin Sheng Retirement Annuity Insurance (Participating)
Stable and long-lasting annuity allowing you to enjoy a comfortable retirement. Starting from the first policy anniversary, annual cash dividends may further help you grow your wealth.
HSBC Zun Xiang Jing Cai Annuity Insurance (Participating) (Premier Elite customers and private customers only)
A stable annuity to accompany you in enjoying a comfortable retirement life. The product distributes surplus as cash dividends. Upon application, the following dividend options can be chosen : cash withdrawal, accumulation with interest, offsetting premium payments, or purchasing paid-up additional insurance.
HSBC Hui Ying Shi Dai (Zun Xiang version) Whole Life Insurance (Participating)
This product can fulfill different needs of customers, and grow their wealth over the long term.
Ping An Ying Zun Whole of Life Insurance - Type B
The sum assured increases at a predetermined rate of 2.0% annually, providing resilience against market fluctuations and the ability to navigate economic cycles. With cash value that grows year by year, it allows for advanced planning and wealth appreciation. It offers thoughtful protection with coverage for accidental total disability, delivering lifelong, high-value coverage with greater compassion. Designate exclusive beneficiaries for precise wealth inheritance and enduring family legacy.
Ping An An Ying Annuity Insurance (Participating)
This plan provides guaranteed long-term payouts and includes a Maturity Benefit for added financial protection. As a participating policy, it gives you the right to share in the distributable surplus of our participating insurance business. Both the survival benefits and any policy dividends can be accumulated with interest, helping you build a solid, long-term financial plan.
Ping An Ying Zun You Xiang Whole of Life Insurance - Type D (Participating)
This product offers a cash value that grows steadily at approximately 1.75% per annum after a certain number of years following the completion of premium payments, with such growth continuing throughout the lifetime. It entitles the policyholder to share in the distributable dividends of the participating insurance business, allowing for shared benefits from the company's operational performance. The annual coverage amount also increases by 1.75% each year, providing lifelong peace of mind. A death beneficiary may be designated, enabling the directed transfer of the death benefit to protect loved ones and sustain family legacy.
HSBC Jing Cai Yi Sheng Type B Annuity Insurance (Participating)
Meets clients' needs for wealth growth, wealth management, inheritance planning, and retirement security
Insured age coverage for policy application (from 0 to 80 years old)
Flexible options for annuity payouts and bonus realization, tailored to your lifestyle and goals
HSBC Hui Ying Shi Dai (Rong Yao version) Whole Life Insurance (Participating) (Premier Elite customers and private customers only)
This product is designed for high net worth customers to fulfill different needs of customers, and grow their wealth over the long term.
MetLife Du Hui Chang Ying (2026) Annuity Insurance (Participating)
Lasting companionship, annual gains; Easy enrollment, flexible planning; Dividend opportunities, making a good thing even better
Education
MetLife Du Hui Zhen Chuan You Xiang 2026B Kuan Whole of Life Insurance (Participating)
Increasing coverage, an enriched life;
Bonus dividends add brilliance and fuel growth;
Long-term planning ensures a legacy well passed on.
Allianz An Ying Ru Yi (Pro version) Insurance Plan
With Allianz An Ying Ru Yi (Pro version) Annuity Insurance (Participating), you can decide your own pension collection date applying following restriction: no earlier than five years after the policy is in force. It meets your needs for at various life stages with a variety of protection tenor. Allianz An Ying Ru Yi (Pro version)'s annuity and dividend (if any) can be chosen to transfer to "An Ying Tian Li Retirement Annuity" Universal Account. The minimum guaranteed interest rate of "An Ying Tian Li" is 1.0%, which helps build a stable wealth structure to fulfill life's occasional needs. (This insurance product plan consists of Allianz An Ying Ru Yi (Pro version) Annuity Insurance (Participating) and Allianz An Ying Tian Li Retirement Annuity Insurance (Universal), both of which can be purchased separately.)
Allianz An Ying Tian Li Retirement Annuity Insurance (Universal)
Get guaranteed returns with a minimum of 1.0% 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 / participating whole life 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 / whole life products can be purchased separately).
MetLife Du Hui Yue Xiang Whole of Life Insurance
Growing Coverage, Steady Accumulation
Lifelong Protection, Seamless Legacy
Flexible Planning, Confident Living
MetLife Du Hui Zhen Chuan Zun Xiang 2026B Kuan Whole of Life Insurance (Participating)
Increasing coverage, a life of distinction;
Bonus dividends add color and drive growth;
Targeted legacy planning, love that endures.
HSBC Hui Ying Jing Cai Annuity Insurance (Participating)
Tailored for education and retirement planning, combining wealth management with legacy planning
Flexible withdrawal options: choose to receive annuity payments monthly or annually
Both annuity and bonus payments support the paid-up additional option
HSBC Hui Ying Shi Dai (Zun Xiang version) Whole Life Insurance (Participating)
This product can fulfill different needs of customers, and grow their wealth over the long term.
Ping An Ying Zun Whole of Life Insurance - Type B
The sum assured increases at a predetermined rate of 2.0% annually, providing resilience against market fluctuations and the ability to navigate economic cycles. With cash value that grows year by year, it allows for advanced planning and wealth appreciation. It offers thoughtful protection with coverage for accidental total disability, delivering lifelong, high-value coverage with greater compassion. Designate exclusive beneficiaries for precise wealth inheritance and enduring family legacy.
HSBC Hui Ying Shi Dai (Rong Yao version) Whole Life Insurance (Participating) (Premier Elite customers and private customers only)
This product is designed for high net worth customers to fulfill different needs of customers, and grow their wealth over the long term.
Ping An Ying Zun You Xiang Whole of Life Insurance - Type D (Participating)
This product offers a cash value that grows steadily at approximately 1.75% per annum after a certain number of years following the completion of premium payments, with such growth continuing throughout the lifetime. It entitles the policyholder to share in the distributable dividends of the participating insurance business, allowing for shared benefits from the company's operational performance. The annual coverage amount also increases by 1.75% each year, providing lifelong peace of mind. A death beneficiary may be designated, enabling the directed transfer of the death benefit to protect loved ones and sustain family legacy.
Managing and growing wealth
MetLife Du Hui Zhen Chuan You Xiang 2026B Kuan Whole of Life Insurance (Participating)
Increasing coverage, an enriched life;
Bonus dividends add brilliance and fuel growth;
Long-term planning ensures a legacy well passed on.
Allianz An Ying Tian Li Retirement Annuity Insurance (Universal)
Get guaranteed returns with a minimum of 1.0% 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 / participating whole life 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 / whole life products can be purchased separately).
MetLife Du Hui Yue Xiang Whole of Life Insurance
Growing Coverage, Steady Accumulation
Lifelong Protection, Seamless Legacy
Flexible Planning, Confident Living
MetLife Du Hui Zhen Chuan Zun Xiang 2026B Kuan Whole of Life Insurance (Participating)
Increasing coverage, a life of distinction;
Bonus dividends add color and drive growth;
Targeted legacy planning, love that endures.
Allianz An Ying Ru Yi (Pro version) Insurance Plan
With Allianz An Ying Ru Yi (Pro version) Annuity Insurance (Participating), you can decide your own pension collection date applying following restriction: no earlier than five years after the policy is in force. It meets your needs for at various life stages with a variety of protection tenor. Allianz An Ying Ru Yi (Pro version)'s annuity and dividend (if any) can be chosen to transfer to "An Ying Tian Li Retirement Annuity" Universal Account. The minimum guaranteed interest rate of "An Ying Tian Li" is 1.0%, which helps build a stable wealth structure to fulfill life's occasional needs. (This insurance product plan consists of Allianz An Ying Ru Yi (Pro version) Annuity Insurance (Participating) and Allianz An Ying Tian Li Retirement Annuity Insurance (Universal), both of which can be purchased separately.)
Ping An Xin Rui Retirement Annuity Insurance
Ping An Xin Rui Retirement Annuity Insurance offers scheduled withdrawals, maturity benefits, and future legacy planning; after a certain number of years post premium payment term, cash value increases by approximately 2.0% annually. Flexibility to adjust pension withdrawal timing and methods helps reduce policyholder pressure.
Ping An Xin Rui You Xiang Retirement Annuity Insurance - Type A (Participating)
This product offers a selectable start date for pension benefits, with more flexible payout timing options. Its cash value grows steadily and continuously, increasing at approximately 1.75% per annum after a certain number of years following the completion of premium payments. It also entitles the policyholder to share in the distributable dividends of the participating insurance business. In addition, both the timing and the method of pension benefit payments can be adjusted as needed.
HSBC Le Xiang Jin Sheng Retirement Annuity Insurance (Participating)
Stable and long-lasting annuity allowing you to enjoy a comfortable retirement. Starting from the first policy anniversary, annual cash dividends may further help you grow your wealth.
HSBC Zun Xiang Jing Cai Annuity Insurance (Participating) (Premier Elite customers and private customers only)
A stable annuity to accompany you in enjoying a comfortable retirement life. The product distributes surplus as cash dividends. Upon application, the following dividend options can be chosen : cash withdrawal, accumulation with interest, offsetting premium payments, or purchasing paid-up additional insurance.
HSBC Hui Ying Shi Dai (Zun Xiang version) Whole Life Insurance (Participating)
This product can fulfill different needs of customers, and grow their wealth over the long term.
Ping An Ying Zun Whole of Life Insurance - Type B
The sum assured increases at a predetermined rate of 2.0% annually, providing resilience against market fluctuations and the ability to navigate economic cycles. With cash value that grows year by year, it allows for advanced planning and wealth appreciation. It offers thoughtful protection with coverage for accidental total disability, delivering lifelong, high-value coverage with greater compassion. Designate exclusive beneficiaries for precise wealth inheritance and enduring family legacy.
Ping An An Ying Annuity Insurance (Participating)
This plan provides guaranteed long-term payouts and includes a Maturity Benefit for added financial protection. As a participating policy, it gives you the right to share in the distributable surplus of our participating insurance business. Both the survival benefits and any policy dividends can be accumulated with interest, helping you build a solid, long-term financial plan.
Ping An Ying Zun You Xiang Whole of Life Insurance - Type D (Participating)
This product offers a cash value that grows steadily at approximately 1.75% per annum after a certain number of years following the completion of premium payments, with such growth continuing throughout the lifetime. It entitles the policyholder to share in the distributable dividends of the participating insurance business, allowing for shared benefits from the company's operational performance. The annual coverage amount also increases by 1.75% each year, providing lifelong peace of mind. A death beneficiary may be designated, enabling the directed transfer of the death benefit to protect loved ones and sustain family legacy.
HSBC Jing Cai Yi Sheng Type B Annuity Insurance (Participating)
Meets clients' needs for wealth growth, wealth management, inheritance planning, and retirement security
Insured age coverage for policy application (from 0 to 80 years old)
Flexible options for annuity payouts and bonus realization, tailored to your lifestyle and goals
HSBC Hui Ying Shi Dai (Rong Yao version) Whole Life Insurance (Participating) (Premier Elite customers and private customers only)
This product is designed for high net worth customers to fulfill different needs of customers, and grow their wealth over the long term.
MetLife Du Hui Chang Ying (2026) Annuity Insurance (Participating)
Lasting companionship, annual gains; Easy enrollment, flexible planning; Dividend opportunities, making a good thing even better
HSBC Hui Ying Jing Cai Annuity Insurance (Participating)
Tailored for education and retirement planning, combining wealth management with legacy planning
Flexible withdrawal options: choose to receive annuity payments monthly or annually
Both annuity and bonus payments support the paid-up additional option
Legacy planning
MetLife Du Hui Zhen Chuan You Xiang 2026B Kuan Whole of Life Insurance (Participating)
Increasing coverage, an enriched life;
Bonus dividends add brilliance and fuel growth;
Long-term planning ensures a legacy well passed on.
Allianz An Ying Ru Yi (Pro version) Insurance Plan
With Allianz An Ying Ru Yi (Pro version) Annuity Insurance (Participating), you can decide your own pension collection date applying following restriction: no earlier than five years after the policy is in force. It meets your needs for at various life stages with a variety of protection tenor. Allianz An Ying Ru Yi (Pro version)'s annuity and dividend (if any) can be chosen to transfer to "An Ying Tian Li Retirement Annuity" Universal Account. The minimum guaranteed interest rate of "An Ying Tian Li" is 1.0%, which helps build a stable wealth structure to fulfill life's occasional needs. (This insurance product plan consists of Allianz An Ying Ru Yi (Pro version) Annuity Insurance (Participating) and Allianz An Ying Tian Li Retirement Annuity Insurance (Universal), both of which can be purchased separately.)
Allianz Sheng Shi Zhen Chuan (5.0) Whole of Life Insurance (Participating) (Exclusive for HSBC Premier Elite and Global Private Banking customers)
Allianz Sheng Shi Zhen Chuan (5.0) 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 Retirement Annuity Insurance (Universal)
Get guaranteed returns with a minimum of 1.0% 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 / participating whole life 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 / whole life products can be purchased separately).
Allianz An Shun Hui Fu (5.0) Insurance Plan
Allianz An Shun Hui Fu (5.0) Insurance Plan provides you with lifetime protection for the value of your life. Choose from three distinct plans to give the protection function full play and help pass on your wealth to future generations. An Shun Hui Fu (5.0)'s dividend (if any) can be chosen to transfer to "An Ying Tian Li Retirement Annuity" Universal Account. The minimum guaranteed interest rate of "An Ying Tian Li" is 1.0%, which helps build a stable wealth structure to fulfill life's occasional needs. (This insurance product plan consists of Allianz An Shun Hui Fu (5.0) Whole Life Insurance (Participating) and Allianz An Ying Tian Li Retirement Annuity Insurance (Universal), both of which can be purchased separately.)
MetLife Du Hui Yue Xiang Whole of Life Insurance
Growing Coverage, Steady Accumulation
Lifelong Protection, Seamless Legacy
Flexible Planning, Confident Living
MetLife Du Hui Zhen Chuan Zun Xiang 2026B Kuan Whole of Life Insurance (Participating)
Increasing coverage, a life of distinction;
Bonus dividends add color and drive growth;
Targeted legacy planning, love that endures.
Ping An Xin Rui Retirement Annuity Insurance
Ping An Xin Rui Retirement Annuity Insurance offers scheduled withdrawals, maturity benefits, and future legacy planning; after a certain number of years post premium payment term, cash value increases by approximately 2.0% annually. Flexibility to adjust pension withdrawal timing and methods helps reduce policyholder pressure.
Ping An Xin Rui You Xiang Retirement Annuity Insurance - Type A (Participating)
This product offers a selectable start date for pension benefits, with more flexible payout timing options. Its cash value grows steadily and continuously, increasing at approximately 1.75% per annum after a certain number of years following the completion of premium payments. It also entitles the policyholder to share in the distributable dividends of the participating insurance business. In addition, both the timing and the method of pension benefit payments can be adjusted as needed.
HSBC Hui Ying Jing Cai Annuity Insurance (Participating)
Tailored for education and retirement planning, combining wealth management with legacy planning
Flexible withdrawal options: choose to receive annuity payments monthly or annually
Both annuity and bonus payments support the paid-up additional option
HSBC Le Xiang Jin Sheng Retirement Annuity Insurance (Participating)
Stable and long-lasting annuity allowing you to enjoy a comfortable retirement. Starting from the first policy anniversary, annual cash dividends may further help you grow your wealth.
HSBC Zun Xiang Jing Cai Annuity Insurance (Participating) (Premier Elite customers and private customers only)
A stable annuity to accompany you in enjoying a comfortable retirement life. The product distributes surplus as cash dividends. Upon application, the following dividend options can be chosen : cash withdrawal, accumulation with interest, offsetting premium payments, or purchasing paid-up additional insurance.
HSBC Hui Ying Shi Dai (Zun Xiang version) Whole Life Insurance (Participating)
This product can fulfill different needs of customers, and grow their wealth over the long term.
HSBC Hui Yu Ying Jia Type C Whole Life Insurance (Participating)
This product can fulfill the protection and wealth management needs, it provides 2 plans for customers to choose.
Plan1: Level Sum Assured, the Effective Sum Assured of Basic Sum Assured equals to the Basic Sum Assured.
Plan2: Decreasing Sum Assured, the Effective Sum Assured of Basic Sum Assured decreases annually since age 68, but will not less than 63% of the Basic Sum Assured, to meet the protection needs across different life stages.
Ping An Ying Zun Whole of Life Insurance - Type B
The sum assured increases at a predetermined rate of 2.0% annually, providing resilience against market fluctuations and the ability to navigate economic cycles. With cash value that grows year by year, it allows for advanced planning and wealth appreciation. It offers thoughtful protection with coverage for accidental total disability, delivering lifelong, high-value coverage with greater compassion. Designate exclusive beneficiaries for precise wealth inheritance and enduring family legacy.
Ping An An Ying Annuity Insurance (Participating)
This plan provides guaranteed long-term payouts and includes a Maturity Benefit for added financial protection. As a participating policy, it gives you the right to share in the distributable surplus of our participating insurance business. Both the survival benefits and any policy dividends can be accumulated with interest, helping you build a solid, long-term financial plan.
Ping An Ying Zun You Xiang Whole of Life Insurance - Type D (Participating)
This product offers a cash value that grows steadily at approximately 1.75% per annum after a certain number of years following the completion of premium payments, with such growth continuing throughout the lifetime. It entitles the policyholder to share in the distributable dividends of the participating insurance business, allowing for shared benefits from the company's operational performance. The annual coverage amount also increases by 1.75% each year, providing lifelong peace of mind. A death beneficiary may be designated, enabling the directed transfer of the death benefit to protect loved ones and sustain family legacy.
HSBC Jing Cai Yi Sheng Type B Annuity Insurance (Participating)
Meets clients' needs for wealth growth, wealth management, inheritance planning, and retirement security
Insured age coverage for policy application (from 0 to 80 years old)
Flexible options for annuity payouts and bonus realization, tailored to your lifestyle and goals
HSBC Hui Ying Shi Dai (Rong Yao version) Whole Life Insurance (Participating) (Premier Elite customers and private customers only)
This product is designed for high net worth customers to fulfill different needs of customers, and grow their wealth over the long term.
MetLife Du Hui Chang Ying (2026) Annuity Insurance (Participating)
Lasting companionship, annual gains; Easy enrollment, flexible planning; Dividend opportunities, making a good thing even better
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