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Sapphire Prestige Income

A promise that lasts generations

The key to sustainable wealth

HSBC Life Sapphire Prestige Income is a single premium whole life plan that gives you and your family peace of mind for generations.


Enjoy regular income that complements your savings and supports your quality of life with financial flexibility and convenience.

Key features

  • Enjoy a lifetime of regular income
    Receive guaranteed and non-guaranteed monthly payout1 from the end of your 49th month, up to age 120.
  • Replacement of life insured
    You can change the life insured up to three times during the policy term, for both corporate and individual policies. You may change the life insured as long as the new life insured meets our requirements at the time of application.
  • Hassle-free application
    Coverage for death or terminal illness2 with no medical examination required.
  • Your choice of currency
    This policy is available in both SGD and USD3.

Other benefits

  • Immediate policy cash value
    Get guaranteed cash value equivalent to 80% of the single premium paid, available from day 1 of your policy.
  • Maturity benefit
    Receive a lump sum payout when the policy matures4 at age 120.

Get in touch

Call us on 1800 – HSBC NOW (4722 669) or find your nearest branch to apply in person.

For all policy servicing-related enquiries, please call (65) 6880 4888.

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 and the surrender value, if any, that is payable to you may be zero or less than the total premiums 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

Monthly payouts are in the form of regular income that is made up of Guaranteed Monthly Payout and non-guaranteed Monthly Cash Bonus. It is payable as long as the policy continues to be in force, or to age 120 of the original life insured.

2 While the policy continues to be in force and when the Life Insured dies or is diagnosed with Terminal Illness, the Benefit payable is the sum of:

  • 105% of Premium paid; and
  • Terminal Bonus (if any),

less any amount owing to HSBC Insurance (Singapore) Pte. Limited.

3 Not applicable to policies purchased through Supplementary Retirement Scheme.

4 The policy matures on the policy anniversary when original life insured is age 120. The policy will terminate when the maturity benefit is paid.


HSBC Life Sapphire Prestige Income is underwritten by HSBC Life (Singapore) Pte. Ltd. (Reg. No. 199903512M) 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 1 February 2023.

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