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HSBC Life Emerald Legacy Life III: Secure Your Family's Future with Comprehensive Whole Life Coverage

In today's uncertain world, ensuring your family's financial security is paramount. The HSBC Life Emerald Legacy Life III offers a robust solution for those seeking comprehensive whole life coverage. This single premium plan provides high protection coverage up to age 99, allowing you to preserve wealth and grow your legacy for your loved ones. With features like guaranteed cash value, choice of currency, and flexible minimum protection cover options, HSBC Life Emerald Legacy Life III stands out as a versatile tool for legacy planning. Let's explore how this product can help you secure your family's future and leave a lasting impact.

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HSBC Life Emerald Legacy Life III Coverage and Benefits

HSBC Life Emerald Legacy Life III offers a comprehensive suite of benefits designed to provide financial security and peace of mind. From whole life coverage to guaranteed cash value and flexible protection options, this product is tailored to meet diverse needs. Let's delve into the key features that make this plan stand out in the realm of legacy planning and wealth preservation.

Whole Life Coverage

Coverage for death and terminal illness up to age 99. This ensures lifelong protection for your beneficiaries, providing financial security throughout your lifetime.

Guaranteed Cash Value

Secure your legacy without locking up your wealth. The policy has a cash value equivalent to 82% of the single premium paid on day 1, offering immediate financial stability.

Non-Guaranteed Bonuses

Potential for wealth accumulation through non-guaranteed reversionary bonuses and terminal bonuses. These may be declared from time to time, enhancing the overall value of your policy.

Currency Options

Available in both SGD and USD. This flexibility allows you to choose the currency that best aligns with your financial goals and risk profile.

Flexible MPC

Minimum Protection Cover (MPC) with options to cover to age 85 or 99. This feature provides higher guaranteed coverage with added flexibility, allowing you to adjust your coverage as your needs change.

HSBC Life Emerald Legacy Life III Investment and Savings Components

While HSBC Life Emerald Legacy Life III is primarily a protection-focused whole life plan, it also incorporates elements that contribute to potential wealth accumulation. The plan's structure allows for both guaranteed and non-guaranteed components, providing a balance between security and growth potential. Let's examine the key aspects of the investment and savings features embedded in this product.

Guaranteed Cash Value

The policy offers a guaranteed cash value of 82% of the single premium paid from day one. This provides a solid foundation for your financial planning, ensuring immediate value in your investment.

Non-Guaranteed Bonuses

Potential for additional growth through non-guaranteed reversionary and terminal bonuses. These bonuses, if declared, can significantly enhance the overall value of your policy over time.

Long-Term Growth

With coverage up to age 99, the policy provides ample time for potential value accumulation. The combination of guaranteed cash value and non-guaranteed bonuses aims to grow your wealth over the long term.

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HSBC Life Emerald Legacy Life III Riders

HSBC Life Emerald Legacy Life III offers additional features that enhance the flexibility and customization of your coverage. These options allow you to tailor the policy to your specific needs and circumstances. Let's explore the key riders and features that can be added to your base policy.

Life Extender Booster

Option to extend your Minimum Protection Cover (MPC) to age 99. This can be done at the point of application, every 5th policy anniversary, or after any life event before age 70, providing flexibility in your coverage duration.

Replacement of Life Insured

Option to replace the life insured when the need arises. This feature is available for both corporate and individual policies, offering flexibility in legacy planning and business succession.

Quit Smoking Incentive

5% of the single premium paid will be refunded if the life insured quits smoking within the first 4 policy years. This incentive promotes healthier lifestyle choices while providing a financial benefit.

HSBC Life Emerald Legacy Life III Policy Loan and Surrender Options

HSBC Life Emerald Legacy Life III provides flexibility in accessing your policy's value through policy loans and surrender options. These features allow you to leverage your policy's cash value for financial needs or exit the policy if circumstances change. Let's examine the key aspects of these options to understand how they can provide financial flexibility.

Policy Loan Availability

Policy loans may be available based on the cash value accumulated in your policy. This can provide a source of funds for unexpected expenses or investment opportunities without surrendering your policy.

Guaranteed Cash Value

The policy offers a guaranteed cash value of 82% of the single premium paid from day one. This provides a substantial base for potential policy loans or surrender value, ensuring immediate access to a significant portion of your investment.

Surrender Options

While designed for long-term coverage, the policy can be surrendered if needed. The surrender value would include the guaranteed cash value plus any accumulated non-guaranteed bonuses, providing flexibility if your financial situation changes.

HSBC Life Emerald Legacy Life III Claims and Customer Service

HSBC Life Singapore is committed to providing excellent customer service and a smooth claims process for HSBC Life Emerald Legacy Life III policyholders. To file a claim or seek customer support, policyholders can contact HSBC Life Singapore directly at +65 6880 4888. This hotline is available for inquiries about the policy, claims procedures, and general customer service needs. For more detailed information or to initiate a claim, customers are encouraged to visit the official HSBC Life Singapore website at www.hsbclife.com.sg. The website provides comprehensive resources, including claim forms and step-by-step guides for various types of claims. HSBC Life Singapore's dedicated team is prepared to assist policyholders through every stage of the claims process, ensuring a supportive and efficient experience during challenging times.

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Conclusion

HSBC Life Emerald Legacy Life III is an excellent choice for individuals seeking comprehensive whole life coverage with a focus on legacy planning and wealth preservation. This product is particularly well-suited for high-net-worth individuals looking to secure their family's financial future, business owners interested in succession planning, and those who want to maximize their wealth transfer to the next generation. With its flexible features and potential for wealth accumulation, HSBC Life Emerald Legacy Life III offers a robust solution for long-term financial security.
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