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Investment Linked Plan

Introduction

In today's dynamic financial landscape, investment-linked plans (ILPs) have emerged as powerful tools for individuals seeking to combine life insurance protection with investment opportunities. The HSBC Life Pulsar stands out as a versatile ILP designed to empower your future and bring success to your investment goals. With its unique features like high start-up bonuses, loyalty rewards, and a wide selection of sub-funds, HSBC Life Pulsar offers a compelling solution for those looking to boost their investments while securing their financial future. This innovative product provides unprecedented access to over 80 investment-linked plan funds, catering to diverse investment strategies and risk appetites.

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How ILPs Work

Investment-linked plans (ILPs) offer a unique combination of life insurance coverage and investment opportunities. With HSBC Life Pulsar, a portion of your premium goes towards life insurance protection, while the remainder is invested in your chosen sub-funds. This structure allows you to potentially grow your wealth while maintaining essential life coverage. The plan offers flexibility in premium allocation, allowing you to adjust your investment strategy over time. HSBC Life Pulsar provides access to over 80 sub-funds, each with its own risk profile and investment focus, ranging from conservative fixed income options to more aggressive equity-based funds. This diverse selection enables you to tailor your investment portfolio to match your risk tolerance and financial goals, whether you're seeking stable returns or aiming for higher growth potential.

Insurance Coverage

HSBC Life Pulsar offers comprehensive insurance coverage to protect you and your loved ones. The plan includes essential benefits to provide financial security in various life situations. Let's explore the key insurance components of this investment-linked plan:

Death Benefit Protection

HSBC Life Pulsar provides a death benefit to your beneficiaries in the event of your passing. The payout is typically 101% of the total account value, ensuring your loved ones receive financial support during difficult times.

TPD Coverage

While not explicitly mentioned in the provided details, many ILPs offer Total and Permanent Disability (TPD) coverage. It's advisable to consult with an HSBC Life advisor for specific information on TPD benefits under the HSBC Life Pulsar plan.

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Investment Component

HSBC Life Pulsar offers a robust investment component, allowing you to potentially grow your wealth while enjoying insurance coverage. With access to over 80 investment-linked plan funds, you have the flexibility to create a diversified portfolio tailored to your financial goals and risk tolerance. Let's explore the key aspects of the investment component:

Diverse Fund Options

HSBC Life Pulsar provides access to more than 80 investment-linked plan funds. These likely include a mix of equity, balanced, and fixed income funds to suit various risk profiles and investment objectives.

Professional Management

The sub-funds are managed by professional fund managers who employ various investment strategies to optimize returns. This includes unique investment approaches to create a diverse and impactful portfolio.

Fund Switching

HSBC Life Pulsar allows you to switch between funds. Currently, the switching fee is waived, providing flexibility to adjust your investment strategy as needed without additional costs.

Performance Tracking

While specific historical returns are not provided, HSBC Life offers tools to track fund performance. It's important to note that past performance does not guarantee future results.

Fees and Charges

Understanding the fees and charges associated with HSBC Life Pulsar is crucial for making an informed decision. These costs impact your overall returns and the growth of your investment. Here's a breakdown of the key fees and charges you should be aware of:

Premium Allocation

While not explicitly stated, ILPs typically have a premium allocation charge. This is the percentage of your premium that goes towards investments after deducting insurance and administrative costs.

Administration Fee

HSBC Life Pulsar charges a monthly administrative fee of S$10 or US$8. This fee covers the cost of managing and administering your policy.

Fund Management

A monthly investment management fee of 1.5% / 12 of the total account value is charged. Additionally, each sub-fund has its own fund management charge, details of which can be found in the fund summary.

Early Encashment

An Early Encashment Charge (EEC) applies if you surrender the policy before completing the premium payment term. The EEC is 100% for the first year and varies based on the remaining premium payment term years.

Flexibility and Customization

HSBC Life Pulsar offers various features that allow you to customize your plan and adapt it to changing financial circumstances. These flexibility options ensure that your investment-linked plan can evolve with your needs over time. Let's explore the key customization features:

Ad Hoc Top-ups

You can make additional investments through ad hoc top-ups from the 19th month onwards. The minimum top-up amount is S$5,000 or US$3,000, subject to a 5% premium charge.

Partial Withdrawals

After the first 36 months, you can make partial withdrawals with a minimum amount of S$1,000 or US$500. This feature allows access to your funds when needed, subject to certain conditions.

Premium Adjustment

You can reduce your regular premium by up to 25% of the original amount after the first 36 months. However, the new premium must not be lower than the minimum regular premium allowed.

Coverage Flexibility

While not explicitly mentioned, many ILPs allow for adjustable insurance coverage. Consult with an HSBC Life advisor for specific details on how you can modify your coverage under the HSBC Life Pulsar plan.

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Conclusion

HSBC Life Pulsar offers a compelling solution for individuals seeking a balance between life insurance protection and investment growth potential. This investment-linked plan is particularly well-suited for three types of customers: young professionals looking to start their investment journey with built-in protection, mid-career individuals aiming to boost their wealth accumulation while securing their family's future, and those approaching retirement who want to optimize their savings with flexible investment options. The plan's unique features, such as high start-up bonuses and loyalty rewards, make it an attractive choice for long-term financial planning.
. This innovative platform allows you to gain diverse perspectives on your insurance options, helping you make an informed decision. Plus, by participating, you'll be entered into the "Premiums On Us" campaign, where you could win your quarterly insurance premiums paid by Whatins. Don't miss this opportunity to secure your financial future with expert guidance and the chance to save on your premiums!