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HSBC Flourish Income Annuity Plan

An annuity plan with steady monthly annuity payments after few years for your retirement years

Enjoy both flexibility and potential capital growth in your retirement

Choose to pay your premium over just a few years and receive annuity payments every month for up to 25 years or till the age1 of 99. Accumulate wealth while enjoying the flexibility to plan according to your retirement needs.

What's best for your insurance needs? Get tailored guidance from our Wealth Planning Specialists today.

Key benefits

Adapt to your liquidity needs

Choose to get monthly annuity payments2 after as little as 1 year, or accumulate savings by leaving the annuity payments in the policy to earn non-guaranteed interest

Effective capital growth

Get a 3% annual increment on monthly guaranteed annuity for the first 10 years of the annuity period, plus monthly non-guaranteed annuity supported by accumulated dividends starting from the 11th year of the annuity period to cope with inflation

Long-term income stream

Monthly annuity payments for 25 years or until age1 99 allow you to enjoy a more secure retirement

Option to protect against dementia

For an additional premium, you can get extra coverage for yourself and your family against financial worries in the event of severe dementia3

Special offers— Enjoy up to 14% off

  • Enjoy up to 14% off your first year's premium. Offer ends on 30 June 2023.
    T&Cs apply (PDF, 1.78MB)
  • Get a MOP200 shopping coupon or Golden Tree gift upon successful application with designated annualised new premiums. Offer ends on 30 June 2023. T&Cs apply (PDF, 707KB).
  • Get an extra MOP200 shopping coupon by booking an appointment online to complete a Financial Check-up with us. Offer ends on 31 December 2023. T&Cs apply (PDF, 642 KB).

Dementia protection3

Dementia is a major cause of disability and dependency among the elderly7. It financially impacts those living with the condition and family members who act as their carers. You can enhance your basic plan with this supplementary benefit at an additional premium to better protect yourself and your family against the financial consequences of dementia.

If the insured person is diagnosed with severe dementia:

  • during the accumulation period: you can obtain a refund of all the premiums you've paid for this benefit
  • during the annuity period: you'll receive an additional 100% of the monthly guaranteed annuity payments2 under the basic plan paid to you or your designated benefit recipient, until the insured person passes away or reaches age1 99, whichever is earlier

How to apply


To apply, you'll need to meet both of these requirements :

  • be aged1 between 19 and 75, depending on the premium payment period, accumulation period and annuity period you select
  • meet our relevant requirements on nationality (country / region) and/or addresses and/or residency, which may change from time to time


The HSBC Flourish Income Annuity Plan is a life insurance plan with a savings element. It is not equivalent or similar to any kind of bank deposit, and is underwritten by HSBC Life (International) Limited, Macau Branch ("the Company"). Policyholders are subject to the credit risk of the Company and early surrender loss. 

Talk with us

Get personalised support from our Wealth Planning Specialists. Book a face-to-face appointment or meet with us over video.

Find out more

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The above plans are life insurance plan underwritten by HSBC Life (International) Limited, Macau Branch ("the Company"). Policyholders are subject to the credit risk of the Company and early surrender loss.

Make a claim

Sometimes life doesn't go according to plan and you'll want to make an insurance claim as soon as possible.

Simply call the policy and claim service hotline (853) 2821 6133 and our professional claims team will help you deal with your claim.


1The age refers to the age the insured person or the policyholder whichever is applicable, will be on their next birthday.

2Monthly annuity payment means monthly guaranteed annuity payment and monthly non-guaranteed annuity payment, if any, subject to a maximum amount of MOP30,000/HKD30,000/USD3,750 per month per insured person. The monthly non-guaranteed annuity payment is not guaranteed and is determined by us from time to time.

3Dementia protection is an optional supplementary benefit that requires additional premiums. It is not applicable for aggregate premium policies and policies with 1-year accumulation period. You'll need to be aged1 between 55 and 70 years, unless it attaches to Basic Plan with 5-year premium payment period, 5-year accumulation period and annuity period to age1 99, which the supplementary benefit is available to insured aged1 between 55 and 65 and you can only be enrolled together with the application for the basic plan by the insured person. Please refer to the dementia protection concept flyer and product brochure for details.

4. The total basic plan premiums refers to the total amount of premiums expected to be paid for the Basic Plan within the premium payment term. Please refer to the policy provisions for detailed terms and conditions.

5. The additional accidental death benefit will terminate upon the end of premium payment period or payout of the relevant benefits or the policy is terminated (whichever is earlier), subject to a maximum benefit limit of MOP 24,000,000 HKD24,000,000/USD3,000,000 per insured person across all additional accidental death benefit issued by the Company. Your policy will terminate once we pay this benefit.

6. The unemployment benefit is applicable to any insured person aged1 between 19 and 64 who holds a Macau Resident Identity Card. This benefit is not available if the aggregate premium payment option has been chosen, and will terminate when the insured person attains the age1 of 65 or all due premiums have been paid or the policy is terminated (whichever is earlier). Please refer to the policy provisions of the supplementary benefits for detailed terms and conditions of coverage and exceptions.

7. News release (14 May 2019) - World Health Organisation

HSBC Flourish Income Annuity Plan is a life insurance plan with a saving element. It is not equivalent or similar to any kind of bank deposit. This product is a product of  HSBC Life (International) Limited, Macau branch and it is intended only for sale in the Macau SAR. The policyholder is subject to the credit risk of the Company. If the policyholder discontinues and/or surrenders the policy in the early policy years, the amount of the policy values or benefits which may be payable to the policyholder may be considerably less than the total premiums paid. The information shown above is intended as a general summary for your reference only. If you wish to learn more about any of the above insurance plans, please refer to the respective product brochure for detailed features and the Policy Provisions for the detailed terms and conditions on the insurance product webpages.

HSBC Life (International) Limited

HSBC Life (International) Limited ("HSBC Life") is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries.

Hong Kong Special Administrative Region office

18/F, Tower 1, HSBC Centre, 1 Sham Mong Road, Kowloon, Hong Kong

HSBC Life (International) Limited, Macau Branch

HSBC Life (International) Limited, Macau Branch ("the Company", "we" or "us") is a branch incorporated in accordance with Macau laws, and is one of the HSBC Group's insurance underwriting subsidiaries.

Macau Special Administrative Region office

1/F, Edf. Comercial Si Toi, 619 Avenida da Praia Grande, Macau

The Company is authorised and regulated by the Autoridade Monetária de Macau ("AMCM") to carry on long-term insurance business in the Macau Special Administrative Region.

In respect of an eligible dispute (as defined in the admissibility scope in the Mediation Scheme for Financial Consumption Disputes) arising between HSBC Life and you out of the selling process or processing of the related transaction, HSBC Life is required to enter into a Financial Consumption Dispute Mediation process with you; however, any dispute over the contractual terms of the above insurance product should be resolved between the Company and you directly.

Issued by the HSBC Life (International) Limited (Incorporated in Bermuda with limited liability), Macau Branch