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HSBC's UniversalLegacy Plan

Create a path that will take your loved ones further.

HSBC's UniversalLegacy Plan

You've taken a lifetime to build your wealth to where it is today. Now it is time to consider how your legacy may continue to provide for those you love, even in the future. HSBC's UniversalLegacy insurance plan can help by increasing your assets via a guaranteed payout with a potential for more1.


  • Preserve and grow your wealth

    At maturity when you turn age 100 or in the event of your untimely death before age 100, you or your beneficiary(ies) will receive a guaranteed insured amount of up to 2.5x2 of premium paid. In addition, you or your beneficiary(ies) may potentially gain an investment upside.

  • Diversify your assets

    Diversify your financial portfolio to spread potential investment risk.

  • Inheritance equalisation

    Provide adequate liquidity to facilitate fair distribution of the inheritance of your beneficiary(ies). Ensure the distribution of your wealth according to your wishes.

  • Hassle-free distribution of your HSBC's UniversalLegacy plan

    Pass on a portion of your wealth to your next generation without having to go through estate distribution process.

HSBC’s UniversalLegacy (“this Plan”) is underwritten by Allianz Life Insurance Malaysia Berhad (Company No.104248-X) (“Allianz Life”) and HSBC Bank is the intermediary in distributing this Plan.

1The guaranteed payout and potential upside is payable upon death or maturity by Allianz Life Insurance Malaysia Berhad. The potential upside is not guaranteed and may vary according to the actual investment performance of Allianz Universal Life Fund II.

22.5x guaranteed insured amount is based on entry age of 21 to 40 years old. Guaranteed insured amount may vary based on entry age.

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