HSBC Life Emerald Legacy Life III Review

The complete Pros and Cons on HSBC Life Emerald Legacy Life III

HSBC Life Emerald Legacy Life III is a single premium whole life plan that offers high protection coverage up to age 99, preserving wealth and growing your legacy to meet the future needs of your loved ones.

HSBC Life Emerald Legacy Life III product details

  • Life policy – Universal Life Insurance
  • Single premium.
  • Whole of life coverage.
    • Coverage for death and terminal illness, up to age 99.
  • Replacement of life insured.
    • Option to replace the life insured when the need arises, for both corporate and individual policies.
  • Quit smoking incentive..
    • 5% of the single premium paid will be refunded to you when the life insured quits smoking anytime within the first 4 policy years.
  • Choice of currency.
    • Choose between SGD or USD.
  • Guaranteed cash value.
    • Your policy has cash value equivalent to 82% of single premium paid on Day 1. In addition, you can accumulate policy cash value with non-guaranteed reversionary bonus and terminal bonus, which may be declared from time to time.
  • Minimum Protection Cover (MPC) with Option to Cover to Age 85 or 99.
    • Get higher guaranteed coverage with added flexibility through MPC. Whether it’s maintaining the same coverage at 100% or reducing it to 80%, you can extend your MPC to age 99 with Life Extender Booster at the point of application, every 5th policy anniversary or after any life event before age 70.

Read About3 things to consider before taking up a new financial product

Features of HSBC Life Emerald Legacy Life III at a glance

Cash and Cash Withdrawal Benefits

Cash value: Yes
Cash withdrawal benefits: No

Health and Insurance Coverage

Death: Yes
Total Permanent Disability: No
Terminal Illness: Yes
Critical Illness: No
Early Critical Illness: No

Health and Insurance Coverage Multiplier

Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No

Optional Add-on Riders


Additional Features and Benefits


For further information and details, refer to HSBC Life website. Alternatively, fill-up the form below and let us advise accordingly.

Read AboutEffects of compounding returns

Is HSBC Life Emerald Legacy Life III suitable for me?

Contact InterestGuru using the form below. Our panel of licensed financial advisers will advise accordingly, based on your financial profile and protection needs.

All financial reviews and proposals provided are 100% free of charge. There will be no obligation to take up any proposed financial products or services in any way.

We compare quotations head to head on all leading insurers in Singapore

    Financial Solutions Enquiry Form

    What kind of insurance do you require more information with?

    What kind of protection products are you looking at ?

    For which event do you wish to be protected for?

    DeathTotal and Permanent DisabilityCritical Illness (Early stage)Critical Illness (Advance and Late stage)Income in the event of Disability

    How many year are you willing to make payment for?

    Compare for me!

    Would you expect to do partial withdrawal in the short term for this sum of money?

    How much funds are you looking to achieve? (in SGD)

    How many year are you looking to save for this amount of fund?

    How many years would you expect to require the full sum of fund?

    Compare for me!

    We are not sure too, let us work out your financial needs with you.

    Compare for me!


    Before you go...
    HSBC Life Emerald Legacy Life III may be a good fit towards your current financial goals. However, there could be way more plans out there with features and/ or benefits that could be more relevant to you at a lower cost.
    Drop us a message and find out about customised options across multiple insurance companies. You deserve to get the best out of your hard-earned savings!
    Need help?
    close slider

    Need help?