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HSBC Paramount Global Life Insurance Plan

A comprehensive policy that offers you life protection, potentially increases your savings and helps you plan your legacy

Protect your wealth, safeguard the future

A long-term insurance policy guaranteeing lifetime protection, while giving you the flexibility to meet your legacy planning needs.

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

Key benefits

Pass it on to a loved one

You can change the person insured under your policy up to 3 times1, or nominate a contingent policyholder2 to manage any juvenile policies you may have

Choose how payout is settled

Settle your death benefit as a lump sum payment or as annual instalments over 10, 20 or 30 years, according to your loved ones' needs

Grow and protect your wealth

Build your wealth continuously throughout your life, with a Policy Value Management Option3 to lock in a portion of your policy value when you need more financial certainty

Special offers— Enjoy up to 21% off

  • Enjoy up to 21% off your first year's premium. Offer ends on 30 June 2024. T&Cs apply (PDF, 1.55MB).
  • Get up to MOP1,500 shopping coupon upon successful application with designated annualised new premiums. Offer ends on 30 June 2024. T&Cs apply (PDF, 319KB).
  • Get an extra MOP200 shopping coupon by booking an appointment online to complete a Financial Check-up with us. Offer ends on 31 December 2024. T&Cs apply (PDF, 265KB).
  • Enjoy preferential interest rate after successfully applied for this plan. Time deposits are products offered by HSBC Bank. T&Cs apply (PDF, 331KB).

How to apply


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

  • the insured person is aged4 between 15 days and 75 years old (depending on the premium payment terms you select)
  • meet our relevant requirements on nationality (country / region) and/or addresses and/or residency, which may change from time to time. Applications would be considered case by case for applicants residing in certain countries / regions. Speak with us for more information.

HSBC Paramount Global Life Insurance Plan is a lifetime 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  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.


1. The original policyholder can change the insured person under the policy for up to 3 times per policy. This option can be exercised after their 3rd policy year or after the end of the premium payment period if all premiums have been fully paid, whichever is later. The change of insured person is subject to evidence of insurability and our approval which is based on the underwriting conditions of the insured person.

2. Policyholder can designate a Contingent Policyholder at any time for his/her juvenile policy (not applicable to policies with life insured who has attained the age4 of 18). The option of Contingent Policyholder is available for the Policy without any assignment.

3. After the 20th Policy Year, you may be able to lock in a portion of the net cash value if there are no outstanding policy loans or premiums. The amount you choose to lock in is guaranteed upon exercising the Policy Value Management Option. It will be allocated to the Policy Value Management Balance to accumulate at a non-guaranteed interest rate, which will be adjusted from time to time at the Company's discretion.

Being able to choose this option is subject to minimum amount requirements on both the:

  • net cash value to be allocated per transaction
  • policy amount after exercising this option

These requirements may be determined by the Company from time to time without prior notice to the policyholder. For details, please see the product brochure.

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

5. The total basic plan premiums paid refers to the total amount of premiums due under your basic plan—whether or not actually paid—as of the date of death for the insured person. Please refer to the policy provisions for detailed terms and conditions.

6. The additional accidental death benefit will terminate when the insured person reaches the age4 of 80 or upon the payout of this benefit or when 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. Investment involves risks. For further details including the product features and risks involved, please refer to the offering documents.

HSBC Paramount Global Life Insurance Plan is a lifetime insurance plan with savings elements. 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, 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
Main office: 1/F, Edf. Comercial Si Toi, 619 Avenida da Praia Grande, Macau
HSBC Life Insurance Planning Centre: Unit AC, Dynasty Plaza, 393 Alameda Dr. Carlos d’Assumpcao, 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