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grandfather, father and son on the yacht, used for life insurance

Life insurance

Enjoy life knowing you have the right support and protection whenever you ever need it.

知道您所选择的一系列灵活多样的人寿保险产品已在保障您和家人的未来,您即可自在安心。

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.

Contact us

HSBC China Customer Service Hotline

95366

(24 H, Mon - Sun)

Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan

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 B Whole Life Insurance (Participating)

This product can fulfill customers’ protection and legacy needs and provide benefits for both death and total disability, helping you love and safeguard your family now and into the future.

Retirement planning

MetLife Du Hui Chuan Shi (Premium version) Whole of Life Insurance(Participating)

Enjoy Life, Eternal Protection

Dual Growth, Promising Future

Legacy with Strategy, Generational Security

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 Chuan Shi (Deluxe Version)  Whole Life Insurance (Participating)

Enjoy Life, Secure Protection

Dual Growth, Shared Prosperity

Plan with Confidence, Love Ever Present

Ping An Ying Zun Whole of Life Insurance - Type A

The sum assured increases by 2.0% annually, remaining stable and unaffected by economic fluctuations; cash value grows year by year, ensuring continuous protection; designated beneficiaries safeguard your legacy and loved ones.

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 Ying Zun You Xiang Whole of Life Insurance - Type A (Participating)

After a certain number of years post premium payment term, cash value increases by approximately 1.75% annually, continuing for life; the sum assured also grows by 1.75% each year, providing lifelong protection. Policyholders have the right to share in the distributable surplus of the participating insurance business, enhancing potential returns; designated beneficiaries ensure directed inheritance of the death benefit, protecting loved ones and preserving family wealth.

Ping An Xin Rui You Xiang Retirement Annuity Insurance (Participating)

After a certain number of years post premium payment term, cash value increases by approximately 1.75% annually, continuing for life; the sum assured also grows by 1.75% each year, providing lifelong protection. Policyholders have the right to share in the distributable surplus of the participating insurance business, enhancing potential returns; designated beneficiaries ensure directed inheritance of the death benefit, protecting loved ones and preserving family wealth.

HSBC Hong Li Yue Yue Ying Type D Annuity Insurance (Participating)

Receive a fixed monthly 'survival benefit' to enrich your wealth and income. Reversionary Bonuses are provided to increase survival, death, and total disability benefits. When the insurance contract matures, terminal bonus will also be paid. 

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 Jin Sheng Type B Annuity Insurance (Participating) (Premier Elite customers and private customers only)

Stable annuity payments provide support for your forward-looking wealth management, inheritance, and retirement planning. Cash dividends are provided to purchase paid-up additional sum assured, continuously increasing your wealth. Specifically designed for high net worth individuals.

HSBC Hui Ying Shi Dai (You Xiang version) Whole Life Insurance (Participating)

Insurance coverage from death and accidental death caused by aviation, safely accompany you at different stages of life. This product provides legacy planning and helps families manage their wealth, withstanding against economic fluctuations and market risks.

HSBC Hui Ying Shi Dai (Zun Xiang 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.

Education

MetLife Du Hui Chuan Shi (Premium version) Whole of Life Insurance(Participating)

Enjoy Life, Eternal Protection

Dual Growth, Promising Future

Legacy with Strategy, Generational Security

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 Chuan Shi (Deluxe Version)  Whole Life Insurance (Participating)

Enjoy Life, Secure Protection

Dual Growth, Shared Prosperity

Plan with Confidence, Love Ever Present

Ping An Ying Zun Whole of Life Insurance - Type A

The sum assured increases by 2.0% annually, remaining stable and unaffected by economic fluctuations; cash value grows year by year, ensuring continuous protection; designated beneficiaries safeguard your legacy and loved ones.

Ping An Ying Zun You Xiang Whole of Life Insurance - Type A (Participating)

After a certain number of years post premium payment term, cash value increases by approximately 1.75% annually, continuing for life; the sum assured also grows by 1.75% each year, providing lifelong protection. Policyholders have the right to share in the distributable surplus of the participating insurance business, enhancing potential returns; designated beneficiaries ensure directed inheritance of the death benefit, protecting loved ones and preserving family wealth.

HSBC Hong Li Yue Yue Ying Type D Annuity Insurance (Participating)

Receive a fixed monthly 'survival benefit' to enrich your wealth and income. Reversionary Bonuses are provided to increase survival, death, and total disability benefits. When the insurance contract matures, terminal bonus will also be paid. 

HSBC Hui Ying Shi Dai (You Xiang version) Whole Life Insurance (Participating)

Insurance coverage from death and accidental death caused by aviation, safely accompany you at different stages of life. This product provides legacy planning and helps families manage their wealth, withstanding against economic fluctuations and market risks.

HSBC Hui Ying Shi Dai (Zun Xiang 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.

Managing and growing wealth

MetLife Du Hui Chuan Shi (Premium version) Whole of Life Insurance(Participating)

Enjoy Life, Eternal Protection

Dual Growth, Promising Future

Legacy with Strategy, Generational Security

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 Chuan Shi (Deluxe Version)  Whole Life Insurance (Participating)

Enjoy Life, Secure Protection

Dual Growth, Shared Prosperity

Plan with Confidence, Love Ever Present

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 Ying Zun Whole of Life Insurance - Type A

The sum assured increases by 2.0% annually, remaining stable and unaffected by economic fluctuations; cash value grows year by year, ensuring continuous protection; designated beneficiaries safeguard your legacy and loved ones.

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 Ying Zun You Xiang Whole of Life Insurance - Type A (Participating)

After a certain number of years post premium payment term, cash value increases by approximately 1.75% annually, continuing for life; the sum assured also grows by 1.75% each year, providing lifelong protection. Policyholders have the right to share in the distributable surplus of the participating insurance business, enhancing potential returns; designated beneficiaries ensure directed inheritance of the death benefit, protecting loved ones and preserving family wealth.

Ping An Xin Rui You Xiang Retirement Annuity Insurance (Participating)

After a certain number of years post premium payment term, cash value increases by approximately 1.75% annually, continuing for life; the sum assured also grows by 1.75% each year, providing lifelong protection. Policyholders have the right to share in the distributable surplus of the participating insurance business, enhancing potential returns; designated beneficiaries ensure directed inheritance of the death benefit, protecting loved ones and preserving family wealth.

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 Jin Sheng Type B Annuity Insurance (Participating) (Premier Elite customers and private customers only)

Stable annuity payments provide support for your forward-looking wealth management, inheritance, and retirement planning. Cash dividends are provided to purchase paid-up additional sum assured, continuously increasing your wealth. Specifically designed for high net worth individuals.

HSBC Hui Ying Shi Dai (You Xiang version) Whole Life Insurance (Participating)

Insurance coverage from death and accidental death caused by aviation, safely accompany you at different stages of life. This product provides legacy planning and helps families manage their wealth, withstanding against economic fluctuations and market risks.

HSBC Hui Ying Shi Dai (Zun Xiang 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.

Legacy planning

MetLife Du Hui Chuan Shi (Premium version) Whole of Life Insurance(Participating)

Enjoy Life, Eternal Protection

Dual Growth, Promising Future

Legacy with Strategy, Generational Security

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 Chuan Shi (Deluxe Version)  Whole Life Insurance (Participating)

Enjoy Life, Secure Protection

Dual Growth, Shared Prosperity

Plan with Confidence, Love Ever Present

Ping An Ying Zun Whole of Life Insurance - Type A

The sum assured increases by 2.0% annually, remaining stable and unaffected by economic fluctuations; cash value grows year by year, ensuring continuous protection; designated beneficiaries safeguard your legacy and loved ones.

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 Ying Zun You Xiang Whole of Life Insurance - Type A (Participating)

After a certain number of years post premium payment term, cash value increases by approximately 1.75% annually, continuing for life; the sum assured also grows by 1.75% each year, providing lifelong protection. Policyholders have the right to share in the distributable surplus of the participating insurance business, enhancing potential returns; designated beneficiaries ensure directed inheritance of the death benefit, protecting loved ones and preserving family wealth.

Ping An Xin Rui You Xiang Retirement Annuity Insurance (Participating)

After a certain number of years post premium payment term, cash value increases by approximately 1.75% annually, continuing for life; the sum assured also grows by 1.75% each year, providing lifelong protection. Policyholders have the right to share in the distributable surplus of the participating insurance business, enhancing potential returns; designated beneficiaries ensure directed inheritance of the death benefit, protecting loved ones and preserving family wealth.

HSBC Hong Li Yue Yue Ying Type D Annuity Insurance (Participating)

Receive a fixed monthly 'survival benefit' to enrich your wealth and income. Reversionary Bonuses are provided to increase survival, death, and total disability benefits. When the insurance contract matures, terminal bonus will also be paid. 

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 Jin Sheng Type B Annuity Insurance (Participating) (Premier Elite customers and private customers only)

Stable annuity payments provide support for your forward-looking wealth management, inheritance, and retirement planning. Cash dividends are provided to purchase paid-up additional sum assured, continuously increasing your wealth. Specifically designed for high net worth individuals.

HSBC Hui Ying Shi Dai (You Xiang version) Whole Life Insurance (Participating)

Insurance coverage from death and accidental death caused by aviation, safely accompany you at different stages of life. This product provides legacy planning and helps families manage their wealth, withstanding against economic fluctuations and market risks.

HSBC Hui Ying Shi Dai (Zun Xiang 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.

HSBC Hui Yu Ying Jia Type B Whole Life Insurance (Participating)

This product can fulfill customers’ protection and legacy needs and provide benefits for both death and total disability, helping you love and safeguard your family now and into the future.

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Frequently asked questions

1. All the insurance products mentioned on this site are designed, developed and managed by other insurance companies. HSBC Bank (China) Company Limited, as the insurance agent for distribution of relevant insurance products, is not responsible for any matters in relation to the underwriting, policy cancelation, claims and risk management. 

2. Whilst every care has been taken in preparing the information above, HSBC Bank (China) Company Limited makes no guarantee, representation or warranty as to its accuracy or completeness. 

3. The information above is not and should not be regarded as an offer to sell or a solicitation for an offer to buy any financial product, and should not be considered as investment. For all the  related rights and obligations, please refer to the corresponding product documents provided by HSBC Bank (China). And plesae note the important information, such as excluded liabilities, surrender, cash value and cooling-off period etc.