Shaped by Values, Defined by Brilliance:
A Legacy as Timeless as a Diamond
We all have stories to tell, and yours is one of success.
Whether as a business leader, entrepreneur or wealth creator, every milestone you’ve achieved has been built on resilience, foresight and ambition.
But true brilliance lies not only in what you accomplish today but how you secure tomorrow, and ensure continued success for your loved ones.

Have you started

on your legacy

planning?

Sail through South Africa

Your Legacy: A Timeless Gift for Generations to Come

Just like choosing the right diamond, a well-crafted legacy plan is resilient, valuable, and timeless – it holds meaning that lasts a lifetime and beyond. It’s a precious gift that ensures your loved ones are cared for, your values are preserved, and that your legacy lives on, even when you’re no longer here.

Explore the dazzle of HSBC Life Diamond Prestige IUL II

Like a diamond necklace, HSBC Life Diamond Prestige IUL II is an indexed universal life plan that offers assurance, transcends time and generations with a perfect blend of investment growth and life protection.

For today’s affluent families, legacy is about more than just passing down wealth; it’s about ensuring that future generations inherit values, security, and opportunity. HSBC Life Diamond Prestige IUL II offers growth potential, downside protection, lifetime coverage, flexible premiums, and clarity in legacy planning. This is not just an insurance policy; it’s a shining promise – a curated legacy that reflects the strength and values of a family, designed to endure over generations.

The 4Cs of a Brilliant Legacy

Discover how the 4Cs of HSBC Life Diamond Prestige IUL II can offer financial growth and flexibility to safeguard assets and preserve harmony for generations.

Cut

Build your wealth with volatility control

Choose from 4 diverse indices including multi-asset index, gold and other asset classes for higher growth potential, and opportunities to amplify potential positive returns by up to 220%1. With up to 1% floor rate, you are protected from market loss during negative index performance.

In addition, you can also receive an extra boost to your policy value with a loyalty bonus of 0.35% crediting rate2 from policy year 11 onwards.

Carat

The value of protection

Give your loved ones a gift of utmost value: assurance and security. Enjoy whole life protection for death and terminal illness, with no-lapse guarantee benefit3 and the flexibility to change the life insured up to 2 times.

Colour

Different hues to match every life chapter

Choose the preferred payment term that suits your evolving financial priorities with flexible premiums — whether it’s a lump sum or over 2 to 30 years. You can also tailor premium allocation between your general and index account, across one or multiple indices.

The plan also supports your health improvement journey through a quit smoking incentive, where smokers can enjoy non-smoker charges for the first 3 policy years, and continue to enjoy the same lower charge if they are able to quit smoking for at least 12 consecutive months.

Clarity

Transparency for you and the next generation

HSBC Life Diamond Prestige IUL II will give your loved ones clarity, support and harmony, even in your absence— with the option of death benefit instalment payouts that offer ongoing financial security for your loved ones, and the assurance from a guaranteed minimum surrender value based on an interest rate of 2% per annum4.

Expertise You Can Trust

Insurance offers predictability in an unpredictable world and simplicity at a time of increasing global complexity. With many high-net-worth families having diverse assets and bespoke needs, insurance provides a simple, effective and reliable way to pass down wealth. The lump sum certainty and ease of distribution are unmatched.

HSBC Life Diamond Prestige IUL II is designed to seamlessly meet legacy needs, delivering capital preservation and growth, legacy certainty and estate liquidity regardless of market swings. It offers an excellent entry point to legacy planning for entrepreneurs and wealth creators seeking both accumulation and capital security.
Harpreet Bindra, Chief Executive Officer, HSBC Life Singapore

Backed by the global strength of the HSBC Group, HSBC Life pairs decades of financial expertise with a deep understanding of the needs of high-net-worth individuals.

Named the top insurer of choice among high-net-worth individuals for two consecutive years in the Affluential WealthLens™ Brand Affinity 2024 and 2025 Rankings, HSBC Life is dedicated to creating solutions built to last—safeguarding wealth, protecting families, and preserving the legacies that matter most.

Ready to start planning for your legacy?

A diamond’s brilliance lasts for generations, and so can your legacy. Start planning early with the HSBC Life Diamond Prestige IUL II plan to shape a future where your loved ones thrive, your values endure, and your life’s work continues to shine.

Learn more about the brilliance of HSBC Life Diamond Prestige IUL II today.

Discover now
1Current assumed participation rate, and is non-guaranteed.
2Loyalty bonus will not be credited if the policy value exceeds the sum insured and it is not applicable to the calculation of the guaranteed minimum surrender value.
3Applicable only if you have paid the no-lapse guarantee premium for the selected premium term before the specified due date.
4Guaranteed minimum surrender value will not be applicable if you surrender the policy partially.
Terms and conditions apply. Refer to general provisions and product summary for exact terms and conditions, specific details and exclusion of this product. This advertisement has not been reviewed by the Monetary Authority of Singapore.