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HSBC Family Goal Insurance Plan

Your children's future. Plan and make it happen, your way.

From starting and raising a family to enjoying your retirement, each stage of life brings its own needs and obligations. Our HSBC Family Goal Insurance Plan helps to safeguard your loved ones with life insurance protection plus enhancement of your life coverage for the first 20 years, allowing you to experience security throughout the various stages of life.

Stay secured with 3-in-1 lifetime protection

  • Enjoy enhanced protection during the first 20 years of the policy with the sum insured equivalent to around 3X total premiums1 plus the non-guaranteed Special Bonus

  • Receive an advance payment from the Cancer and Disability Benefit2 to cover unexpected medical expenses. An advance payment will also apply if your child3 is diagnosed with cancer

  • Option to lock in part of the policy value with the Policy Value Management Option4 for wealth preservation and financial certainty

HSBC Family Goal Insurance Plan is a whole life insurance plan with a savings element underwritten by HSBC Life (International) Limited ("HSBC Life"). It is not a bank deposit or bank savings plan. Policyholders are subject to HSBC Life's credit risk and early surrender loss. Please refer to the product brochure for details.

Speak with us

Book an appointment for face-to-face or video-enabled meeting:

  • Or via (852) 2233 3130

    (Mon to Fri: 11:00am to 7:30pm, except public holidays)

HSBC Jade and Premier customers

  • Contact your Relationship Manager

Limited time offers:

  • Get up to 11% off your first-year premium

    Offer ends 30 June 2022. T&C apply.

  • Get an extra 2% off your first year premium

    Apply through video-enabled meeting to enjoy the offer.
    Offer ends 30 June 2022. T&Cs apply.

  • Earn up to an extra $6,000 RewardCash!

    Pay new policy’s premium to HSBC Life with HSBC Premier Mastercard® Credit Card* to enjoy the offer.
    Offer ends 30 June 2022. T&Cs apply.

How does it work

See how this plan can help to safeguard your loved ones.

Are you eligible?

To apply, you need to:

  • be aged6 between 19 and 55 years old (depending on the premium payment terms selected)
  • meet our criteria for nationality (country/region/territory), address and residency (subject to change at the time of your application)

Additional information

Start your application

Book an appointment

Book a face-to-face appointment or video-enabled meeting:

Contact us

Book an appointment by contacting us via (852) 2233 3130. The service hours are 11:00a.m. – 7:30p.m., Monday to Friday, except public holidays.

For HSBC Jade and Premier customers, please contact your Relationship Manager.

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T&Cs apply.


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T&Cs apply.


Explore the list of our selection of life protection plans.

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

Manage your policy

Manage your policy online

Access your policy details anytime, anywhere on both your HSBC HK Mobile Banking app and our Personal Internet Banking webpage, so you can check your benefits and coverage, premium due dates, projected future values and much more at your fingertips.


You can also request for a dividends and/or bonus withdrawal from your policy (if applicable) and submit other service requests on our Personal Internet Banking webpage.

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 our Tele-Consultants at (852) 31280122 who will assist you in preparing your relevant claim request(s). 

The Sum Insured as a percentage of the total premiums expected to be paid over the full premium period is a rounded percentage that varies depending on your chosen premium payment mode. If you choose monthly payments, such percentage will be lower due to higher amount of total annual premiums projected to be paid.

Cancer and Disability (Advance Payment) Benefit will terminate upon the 20th policy year. Your policy will terminate once we pay this benefit to you. Please refer to the relevant policy provisions for the details of terms and conditions and exclusions.

Child means a biological and adopted son or daughter, step-son, step-daughter of the life insured who is of age6 under 18.

After the 20th Policy Year, if there is no outstanding policy loan or premiums, you may apply to exercise this option to lock in a portion of the Net Cash Value. The amount you choose to lock in is guaranteed upon exercising the Policy Value Management Option and 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 HSBC Life's discretion. The exercise of the Policy Value Management Option is subject to the minimum amount requirements on (i) the Net Cash Value to be allocated per transaction; and (ii) the Policy Amount after the exercise of this option. Such minimum amount requirements are determined by the Company from time to time without prior notice to Policyholder. Please refer to product brochure for details.

Terminal Illness Benefit will terminate on the Policy Anniversary at which the life insured attains the age6 of 65, or payout of such benefit or your policy is terminated (whichever is the earliest). Your policy will terminate once we pay this benefit. Please refer to the relevant policy provisions for the details of terms and conditions and exclusions.

Age means the age of the life insured or the policyholder where applicable at his/her next birthday.

Unemployment benefit is applicable to any policyholder aged6 between 19 and 55 years who is the holder of a Hong Kong Identity card. The benefit will terminate on the policy anniversary at which the policyholder attains the age6 of 65 or all due premiums have been paid or your policy is terminated (whichever is the earliest).

By choosing an Apple Watch as your reward, you will be committing to a 24-month interest-free instalment plan via your HSBC credit card.

If you choose to pay premiums in monthly payments mode for a Policy Year, the total premiums payable for that Policy Year will be greater than that in annual payment mode.

*To borrow or not to borrow? Borrow only if you can repay!



HSBC Family Goal Insurance Plan is a life insurance plan underwritten by HSBC Life (International) Limited ("HSBC Life") which is authorised and regulated by the Insurance Authority ("IA") to carry on long-term insurance business in the Hong Kong SAR. Please refer to the product brochure for detailed features and the policy provisions for the detailed terms and conditions.

HSBC Life is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries. The Hongkong and Shanghai Banking Corporation Limited ('HSBC') is an insurance agent authorised by HSBC Life. This product is a product of HSBC Life but not HSBC and it is intended only for sale in the Hong Kong SAR. Your benefit is subject to the credit risk of HSBC Life. Your premiums paid will form part of HSBC Life's assets. You do not have any rights or ownership over any of those assets. Your recourse is against HSBC Life only.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction, HSBC will enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the product should be resolved between HSBC Life and you directly.