HSBC Life Pulsar Review

The complete Pros and Cons on HSBC Life

HSBC Life Pulsar (previously known as AXA Pulsar) gives you all with a start-up bonus of up to 168%, a wide selection of investment-linked policy sub-funds and loyalty bonus – all the ingredients for an investment plan to make your goals happen.

NOTE: HSBC Life Pulsar has been discontinued. For further information and details about this plan, fill up the form below and let us advise you accordingly.

If you are looking for a good alternative for HSBC Life Pulsar, we recommend HSBC Life Wealth Abundance for its low annual fees and shorter Minimum Investment Period.

HSBC Life Pulsar product details

HSBC Life Pulsar is featured for Investment returns in our 7 Best Regular Insurance Savings Plans in Singapore (2024 Edition)
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HSBC Life Pulsar Popularity on [usr=4.3]

Read about: 3 Best Investment Linked Policies in Singapore for Insurance Coverages (2024 Edition)

  • Life Policy – Investment-linked policy
  • Issuance age from 1 month to 70 years old
  • Loyalty bonus equivalent to 4% of total premiums contributed on the 10th year of policy
  • Start-up bonus of up to 168%
  • Access to more than 90 investment-linked plan sub-funds, for a diverse portfolio
  • Guaranteed issuance; no medical checkup needed
  • Choose a premium term from 5 to 30 years

Read aboutHow does Investment-Linked Policy work?

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

Features of HSBC Life Pulsar 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: No
  • Critical Illness: No
  • Early Critical Illness: No

Health and Insurance Coverage Multiplier

  • Death: Yes
  • 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 on your investments

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HSBC Life Pulsar may be suitable if you are looking for

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

  • Initial high protection for Death and Terminal Illness coverage at an affordable premium.
  • Initial high Early Critical Illness, Critical Illness and Total Permanent Disability coverage in an Insurance Policy.
  • Health and Protection coverage due to a shortfall in your Insurance Portfolio.
  • To participate in the long-term financial returns of investing.
  • Liquidity or flexibility of withdrawal in your Insurance policy.
  • Able to take investment risks and comfortable with financial market volatility.
  • Potentially higher financial returns compare to traditional Endowment and Whole Life Policy.

Read about: An introduction to Investment Linked Policy

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

HSBC Life Pulsar may not suitable if you are looking for

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

  • Life-long health and protection coverage due to increasing mortality charges.
  • Guaranteed financial returns in the long-run.
  • 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.

Read about: ETFs or Unit Trust Funds, which is more suitable for you

Read about: Where do I start with financial planning?

Further considerations on HSBC Life Pulsar

  • How are the investment returns of HSBC Life or HSBC Life Pulsar based on historical performance?
  • How good is HSBC Life Pulsar compared to Investment Linked Policy from other insurance companies?
  • Can HSBC Life Pulsar fulfill my financial insurance, health and protection needs?

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

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

Read aboutHow can I accumulate a million dollar (Realistically)

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

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 products features, benefits and payout 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.

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Is HSBC Life Pulsar suitable for me?

Contact InterestGuru using the form below and a licensed financial adviser will advise you accordingly, based on your financial profile and protection needs.

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*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 Pulsar 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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