HSBC Life Protect Advantage II
Product Review
Coverage up to
Years old
HSBC Life Protect Advantage II is a participating whole life plan which offers flexibility to enhance your coverage until the age of 99. The plan have the unique feature to provide sum assured payout to applicants with pre-existing condition such as Breast disorder and Uterine fibroid (where usually applicants would be postponed or excluded).
How it Benefits you?


  • Premium terms 10 – 25 years (with intervals of 5)

  • Multiplier factor of 200% / 300% / 400% / 500% to enhance your coverage till age 70 (with the future option to extend till age 99)
  • Death and Terminal Illness up to age 99
  •  Total and Permanent Disability up to age 70


  • With Early critical protect advantage you are covered up to 105 medical conditions spread across the 3 stages and 14 advanced stage critical illnesses
    1. Acute Necrohemorrhagic Pancreatitis
    2. Chronic Auto-Immune Hepatitis
    3. Creutzfeld-Jacob Disease
    4. Elephantiasis
    5. Full Blown AIDS
    6. Infective Endocarditis
    7. Medullary Cystic Disease
    8. Multiple Root Avulsions of Brachial Plexus
    9. Necrotising Fasiitis
    10. Progressive Supranuclear Palsy
    11. Severe Cardiomyopathy
    12. Severe Eisenmenger's Syndrome
    13. Severe Myasthenia Gravis
    14. Surgery for Idiopathic Scoliosi 


  • Special benefit (up to 6x) until age 99 with additional 20% of the sum insured, if you suffered from any of 24 medical conditions, such as Autism and DiabetesIncome payout option to supplement your retirement years by receiving a stream of monthly income at the eligible age
  • Accelerated Benefit BenefitThis benefit pays 20% of critical illness benefit is the life insured has the following pre-existing conditions
    1. Benign breast disorder
    2. Elevated Prostate-specific Antigen level
    3. Uterine Fibroid
What we like about the plan?

1. Family waiver benefit – Future premiums will be waived, should there be an unexpected loss of your spouse or parent.


2. With Life extender benefit , you are able to keep your insurance multiplier up to age 99 to ensure you are well covered at all times.


3. With Guaranteed Insurability Option, you are eligible to buy any life insurance plan offered by HSBC during different life stages without having to undergo any medical underwriting.


4. Accelerated Benefit Benefit (only in market) that covers for pre-existing condition.


Case Studies

Source : HSBC Insurance

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