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Lifestyle Protection Plus
Information
What is Lifestyle Protection Plus?
Lifestyle Protection Plus provides life insurance for the whole of your life in addition to regular guaranteed cash bonuses.
Features
Lifelong protection and savings fund - all in one plan
Guaranteed cash bonus equivalent to 10% of the sum insured paid every 5 years
Builds guaranteed savings, and pays annual dividends throughout the policy term
Fixed premium during the term of the policy
Choice of payment term - single payment*, or 25 years, or until the age of 65 or 99
No medical examination required if you are aged 50 or below, in good health, and the sum insured is not more than MOP1,200,000 or USD150,000
Choose to increase your sum insured by 5% each year for 10 years without the need for further underwriting. Each annual upgrade will generate its own guaranteed cash bonus and dividends to boost the total savings
Future premiums will be waived until recovery in case of temporary disability for more than six months
For unemployment over 30 consecutive days, payment of premiums can be delayed for 365 days
Optional benefits including accidental death and dismemberment, female benefit, hospital cash, major illness, total and permanent disability cover and term protection
Persons aged 80 years or below are eligible to apply
*If you cancel or change the policy, the balance of the single payment will be paid subject to a surrender charge at a scale determined by us from time to time.
Notes:
All ages mentioned refer to the age of the insured at the next birthday.
The above insurance plan is underwritten by HSBC Life (International) Limited, which is part of HSBC Insurance, the identity under which the HSBC Group’s insurance underwriting subsidiaries operate. HSBC Life (International) Limited is authorised and regulated by the Autoridade Monetaria de Macau to carry out long-term insurance business in the Macau SAR. The Hongkong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Life (International) Limited.
