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WholeLife Protection Plan
Information
What is WholeLife Protection Plan?
WholeLife Protection Plan provides life protection for
the whole of your life with a guaranteed long-term
savings element. You will know how much the plan
will be worth in the future and that your family will be
financially secure should you die
Features
Lifelong protection and savings element - all in one plan
The plan accumulates a guaranteed cash value. It will be equal to the sum insured when the plan matures at the age3 of 99
Choice of payment term: payment term of years of 5, 10, 25; or until the age3 of 65 or 99
The premium is fixed at the start of the plan and guaranteed not to change
No medical examination2 is normally required if you are aged1 50 or below, in good health and with the sum insured of not more than MOP2,400,000 or US$300,000
Choose to increase your sum insured by 5% each year for 10 years without the need of further underwriting
The payment of premiums will be waived until your full recovery or till the end of the premium payment term (whichever comes earlier), in case of temporary disability for at least six months
For unemployment4 at least 30 consecutive days before the age3 of 65, payment of all premiums can be delayed up to 365 days and still enjoy the full protection of your policy
The plan's death benefit will be paid in advance were you to be diagnosed with a disease which is likely to result in death within one year
Optional protection including: accidental death and dismemberment, hospital cash, major illness, total and permanent disability, female benefit and term protection
Persons aged1 65 or below are eligible to apply
Remarks
- Age means age at next birthday
- HSBC Life reserve the right to require that you attend a medical examination to confirm that you are in good health
- The policy anniversary at which the specified age is reached based on age at next birthday
- Available for policyholders aged between 19 and 64 at next birthday and holding Macau Identity Card
