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HSBC Life Treasure (II)
Product Review
4.5
Introduction
HSBC Life Treasure ll is a whole life plan that provides high protection coverage for Death and Total Permanent Disability and Terminal Illness. There are also optional riders to enhance protection cover such as early critical illness.
How it Benefits you?

Benefit

  • Premium terms of 10, 15, 20, 25 or 30 years
  • Option to Multiply your coverage by 100% to 500%
  • Multiplier up to age: 65/70/80 years old

  • GIO: Option to purchase a new whole life or ILP without providing evidence of health during a life stage event

  • Early critical illness benefit rider covers up to 56 different type of CI and 14 Special Benefits

  • Early Critical illness benefit rider pays additional 50% of sum assured of Early Critical illness benefit rider for 5 main CI

What we like about the plan?

1. Receive an advanced TPD payout in the inability to perform 2 out of 6 Activities of Daily Living. 

 

2. Top Common Critical illness benefit: Receive an additional amount equivalent to 50% of the rider sum assured upon an Advanced Stage diagnosis of any of the top 5 common critical illnesses
- Major cancer
- Heart Attack of Specified Severity
- Stroke with Permanent Neurological Deficit
- Coronary Artery By-pass Surgery
- End Stage Kidney Failur

Case Studies

Source: AXA

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