Living a Lifetime in 625 days
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Please refer to the respective product brochure for detailed product features and product risks,and the policy provisions for the detailed terms and conditions. See more about our policy crediting interest rates. For corporate policyholder, the issue age 10 of the life insured is between 19 and When life surprises you, additional benefits included in this policy can offer you more support. If you have extra funds, you can choose to boost your account value by paying in unscheduled premiums 4. If you buy this policy for your child — aged from 15 days to 18 10 years old — and you die before the age of 65 10 or become disabled for not less than days, we will pay the future outstanding Planned Premiums 14 and any Supplemental Benefits Premium 15 on your behalf until you fully recovered or until the end of the policy premium payment period whichever comes first.
For an extra cost, the plan will pay out your life cover benefit in advance if you are diagnosed with one of the 60 covered major illnesses. Universal Life insurance products are long term insurance plans offering a high level of protection with competitive features and flexibility for policyholders' multi-generational planning needs and other insurance needs. For details of the product features and key risks of Universal Life insurance products, please refer to the relevant product materials and policy provisions or contact your relationship manager or insurance consultant.
The benefits provided by Universal Life insurance products are impacted by the crediting interest rates as well as applicable charges. The General Crediting Interest Rate is a floating rate determined by the Company, subject to a guaranteed minimum floor as stipulated on policy provisions.
The applicable General Crediting Interest Rates vary depending on the policy currency and product series. Such rates are regularly reviewed by the Company at its discretion. The Company will inform policyholders concerned for any subsequent change of the General Crediting Interest Rates for their policies. When determining the General Crediting Interest Rate, which applies to each Universal Life insurance policy, the Company considers the investment returns on the underlying assets supporting the policies, as well as other factors, including but not limited to: the outlook of the long term future investment returns, the claims and surrender experience, and the expenses.
If the investment returns over the long term are better than expected, then the General Crediting Interest Rate would increase and if the investment returns are worse than expected, then the General Crediting Interest Rate would reduce. The investment returns on Universal Life underlying portfolios include interest earnings as well as losses or gains realized upon the disposal of assets or asset impairments. The claims include the cost of providing the death benefit and other insured benefits under Universal Life insurance policies. The surrenders include total and partial surrenders, and their corresponding impact on investments.
The investment returns on Universal Life underlying portfolios are not guaranteed. The Company maintains a prudent approach to investing for the Universal Life underlying portfolios, with the primary goal being the delivery of long term value to policyholders.
Each portfolio is invested in Corporate and Government bonds under pre-determined diversification and rating objectives. The current long term investment strategy is to invest in diversified long term investment grade bonds rated BBB- or above. Unrated bonds may also be considered if they fit the Company's risk appetite profile.
However, the Universal Life underlying portfolios are conservatively positioned to limit the exposure to unrated bonds. The bonds are held by the Company to maturity in order to match its long term liabilities. Subject to our investment policy, derivatives may be utilized to manage the investment risk exposure, for matching between assets and liabilities and for efficient portfolio management. For the historical crediting interest rates of the Universal Life insurance products of the Company, that had new policies issued in the previous 5 years, please refer to this document [PDF].
At HSBC, we understand life never stands still. Which is why you can make changes to your policy online anytime. Simply call our Tele-Consultants at who will assist you in preparing your relevant claim request s.
HSBC Term Protector is a pure and simple life insurance product that is cost effective and can be applied online, in minutes, with no medical examination required. It is not equivalent or similar to any kind of deposit. Give your family security. Build up a cash sum and cover yourself, with our whole-of-life insurance plan with savings element. For a policy being surrendered in early years, the surrender proceeds to be received under the policy may be significantly less than the premiums paid and you could lose all your premiums paid in the worst scenario.
Reducing the sum insured may induce surrender charge 2. Please refer to the relevant supplemental benefits provisions for the detailed terms and conditions. This benefit will terminate when the advance payment under this benefit is paid or when the policy is terminated. We reserve the right to accept or reject any applications for this Major Illness Benefit Advance Payment based on the information provided by the life insured during application.
This benefit will terminate when the advance payment under this benefit is paid or when the policy is terminated, whichever is earlier. This benefit will terminate upon the Policy Anniversary at which the life insured attained the age 16 of 65, the policy is terminated or paid up whichever is the earliest.
living a lifetime in days Manual
This benefit is not applicable for single premium policies. Underwriting is required for this Waiver of Premium on Disability Benefit. We reserve the right to accept or reject any applications for this Waiver of Premium on Disability Benefit based on the information provided by the life insured during application. This benefit will terminate upon the Policy Anniversary at which the policyholder attained the age 16 of 65 or the life insured attained the age16 of 25 or the policy is terminated or paid up whichever is the earliest.
Please refer to the relevant supplemental benefits for the detailed terms and conditions.
All Planned Premiums must be paid during the premium payment period selected upon policy application. All Supplemental Benefit Premiums must be paid during the premium payment period selected upon policy application. Your benefit is subject to the credit risk of the Company.
Your premiums paid will form part of the Company's assets. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.
Please refer to the respective product brochure for detailed features and the policy provisions for the detailed terms and conditions. In the event of any inconsistency between the English version and the Chinese version, the English version shall prevail. All rights reserved. Overdrafts See all. Investing Offers See all. Insurance See more. Travel Travel Insurance. Insurance Offers See our latest offers. Life just flows and flows, in a succession of days that seems endless until it isn't. To gain an overarching perspective, a new study takes a look at the life of an average person in terms of pure numbers.
What they found out were some striking stats. Taking the average life expectancy to be 25, days 71 years , an average human would spend:. On the other hand, humans spend 6. Germans apparently top this category at Maybe it's time we got up? A third of our life is just sitting somewhere and if you add to that all the time we are sleeping, it really seems like a giant waste. Another sobering number is how much time we spend staring at some screen , be it a smartphone, tablet, laptop or TV.
Again, Germans appear to do this the least, around 8, days, probably spending the extra time with the loved ones. Mexicans are most proud of their bodies Perhaps, all these facts are related.
Americans challenge themselves to do something physically tough the most 9. They are also the most adventurous , trying some new thing about 7 times per month. Russians sleep the most per night 7 hours 5 minutes and also dance the most per month - about 15 times per month. The study was conducted by Reebok in partnership with the global survey consultancy Censuswide. Sure, Reebok had its own commerical reasons for looking into these numbers, but the end results are fascinating, regardless of your interest in their shoes.
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