HSBC Life Goal Builder Review

The complete Pros and Cons on HSBC Life Goal Builder

HSBC Life Goal Builder is a limited premium investment-linked plan that can give you lifelong protection and high flexibility to grow your wealth.

HSBC Life Goal Builder product details

  • Life Policy – Investment-linked policy
  • 3 premium terms to choose from:
    • 5, 10 or 15 years
  • 2 currencies available for premium:
    • SGD or USD
  • Welcome Bonus
    • Welcome bonus of up to 30% of your first-year regular premiums.
  • Loyalty Bonus
    • Extra 1% loyalty bonus from the end of premium year 10 and every 2 years after that until premium year 24.
  • No premium charge
    • All basic premiums go towards investing into funds of your choice.
  • Flexible withdrawal options
    • Unlimited ad hoc or pre-planned regular withdrawal.
  • Enjoy peace of mind with lifelong protection
    • Lifelong protection for death or terminal illness.
    • Complimentary accidental death coverage up to age 75.
    • Option to enhance the death benefits up to 10 times of the annual premium.

Read aboutInvestment-Linked Policy: Is it the best option?

Read about: 3 best Investment Linked Policies in Singapore (Updated)

Features of HSBC Life Goal Builder at a glance

Cash and Cash Withdrawal Benefits

  • Cash value: Yes
  • Cash withdrawal benefits: Yes

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

Waiver of Premium on Disability
Major Cancer Premium Waiver

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.

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HSBC Life Goal Builder may be suitable if you are looking for

HSBC Life Goal Builder may potentially be a good fit if the following matters to you:

  • To participate in the long-term financial returns of investing
  • A full-forced investment-linked policy with minimal insurance coverage
  • Able to take investment risks and comfortable with financial market volatility
  • Regular-pay premium term investment plan
  • Take unlimited premium holidays after the end of the minimum investment period
  • Potentially higher financial returns compared to traditional Endowment and Whole Life policies.
  • Insurance options without medical underwriting

Read about: An introduction to Investment Linked Policy

NEW Feature: Compare investment-linked policies across insurance companies using the CompareNOW feature on

HSBC Life Goal Builder may not be suitable if you are looking for

HSBC Life Goal Builder may potentially be a bad fit if the following matters to you:

  • Health and Protection coverage
  • High Death and Terminal Illness coverage
  • Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • Guaranteed financial returns in the long run
  • Single premium investment option with no further financial commitment
  • Insurance policy with a high surrender value in the early years of the policy
  • Expecting an urgent need for withdrawal during a financial market downturn

Further considerations on HSBC Life Goal Builder

  • How is HSBC Life or HSBC Life Goal Builder investment returns based on historical performance?
  • How does HSBC Life Goal Builder compare with Investment-linked policies from other insurance companies?
  • Can HSBC Life Goal Builder fulfill my financial, insurance, health, and protection needs?

The above information may not fully highlight all the product details and features of HSBC Life Goal Builder. Talk to us or seek advice from a financial adviser before making any decision about HSBC Life Goal Builder.

Always ensure your long-term financial goals and objectives are aligned with the financial product you are considering taking up.

Where can I compare the payout and benefits of Investment Linked Policies?

Before committing to an insurance policy, it certainly pays to make an effort to compare. Specific product features, benefits, and payouts will differ more than you think across insurance companies. Why regret only years later, when you find out that you are not getting the best insurance policy available for the premium paid?

Use our Compare NOW feature to receive the most competitive quotes on Investment linked Policies.

Alternatively, you just need to provide us with a couple of details below.

Is HSBC Life Goal Builder suitable for me?

Contact InterestGuru using the form below. Our panel of partnered financial planners 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.

*For a limited time, get attractive incentives when you take up any products that is proposed by our team of financial planners.

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    Before you go...
    HSBC Life Goal Builder 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!
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