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Father and son having good time on the boat; image used for HSBC Singapore Emerald Legacy Life II.

Emerald Legacy Life II

Let your legacy enable future success

Your promises could live on with Emerald Legacy Life II

Whatever your wishes or promises, we're here to help you grow your legacy and ensure your plans for the future are taken care of.


Grow your legacy with an Emerald Legacy Life II - a single premium whole life plan. So you can rest assured that your wealth is preserved for your family's future use or passed on to generations to come.

Key features

  • Whole of life coverage

    Death and terminal illness coverage up to age 99.

  • Replacement of life insured

    You may change the life insured as long as the new life insured meets our requirements at the time of application. This applies to both corporate and individual policies.

  • Quit smoking incentive to help you live a healthier life

    5% of the single premium paid will be refunded when the life insured quits smoking1 anytime within the first 4 policy years.

Unique benefits

Enjoy greater coverage with these one-of-a kind benefits.

A happy young family playing with skateboard.

Minimum Protection Cover with option to cover to age 85 or 99

Get higher guaranteed coverage with added flexibility through Minimum Protection Cover (MPC). Whether it's maintaining the same coverage at 100% or reducing it to 80%, you can extend your MPC to age 99 with Life Extender Multiplier at the point of application, every 5th policy anniversary or after any life event before age 702.

A father is teaching his daughter counting money.

Guaranteed cash value

Secure your legacy without locking up your wealth. Your policy has a cash value equivalent to 80% of single premium paid on Day 1. In addition, accumulate policy cash value with non-guaranteed reversionary bonus3 and terminal bonus4, which may be declared from time to time.

Get in touch

Call us

Find a branch

Visit us at any HSBC branch and talk to us in person

What else should I know?

As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs. The surrender value, if any, that is payable to you may be zero or less than the total premium you've paid. It is also detrimental to replace an existing life insurance policy with a new one as the new policy may cost more or have fewer benefits at the same cost.

More Information

1A Quit Smoking Declaration Form will need to be submitted to us during your application. Please refer to the Product Summary for the complete terms and conditions relating to this incentive.

2Only applicable for Minimum Protection Cover (MPC) selected as 'to age 85'. Please refer to product summary for more details.

3Reversionary bonuses are not guaranteed but once declared, it forms part of the guaranteed benefits of your policy.

4Terminal bonus is not guaranteed and may be paid in addition to the reversionary bonus upon surrender, death or maturity of the policy. The rate of terminal bonus is based on a percentage of the reversionary bonus accumulated under the policy.



HSBC Life Emerald Legacy Life II is underwritten by HSBC Insurance (Singapore) Pte. Limited (Reg. No. 195400150N), and distributed by HSBC Bank (Singapore) Limited ('HSBC').

It is not an obligation of, a deposit in, or guaranteed by, HSBC.

This webpage contains general information only and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person.

This is not a contract of insurance and is not intended as an offer or recommendation to buy the product.

A copy of the product summary may be obtained from our authorised product distributors.

You should read the product summary before deciding whether to purchase the product. You may wish to seek advice from a financial adviser before making a commitment to purchase the product.

In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. Please refer to the policy contract for the exact terms and conditions, specific details and exclusions of this product.


Policy Owners' Protection Scheme

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the LIA or SDIC websites ( or


Information is correct as at 28 June 2021.

This advertisement has not been reviewed by the Monetary Authority of Singapore.