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HSBC Life Retirement Income II Review

The complete Pros and Cons on HSBC Life Retirement Income II

HSBC Life Retirement Income II is an SRS-approved retirement plan. Receive supplementary income over 10, 15, 20 years or up till age 99 with possibly no out-of-pocket expense.

HSBC Life Retirement Income II product details

  • Life policy – Annuity
  • Flexible Short Premium Payment and Payout Terms
    • Choose to pay a Single Premium or over 5 or 10 years
    • Choose to receive monthly retirement income for 10, 15 or 20 years or up till age 99
    • For Single Premium option, you can opt to pay with Cash or SRS
  • Retirement Age Options
    • Choose to start receiving monthly retirement income from age 55, 60, 65 or 70
  • Unemployment Support Benefit
    • You can opt to defer premium payment for up to 365 days in the event you are retrenched
  • Waiver of Premium Benefit – Future premiums are waived
    • In the event you or your spouse is diagnosed with Total and Permanent Disability
    • In the event your spouse passes away
  • Chronic Illness Care Benefit – Receive an additional 100% of your guaranteed monthly income per month
    • In the event you are diagnosed with Loss of Independence, Idiopathic Parkinson’s Disease, Alzheimer’s Disease/Severe Dementia or Major Head Trauma
    • e.g. If you are diagnosed with the above and your chosen guaranteed monthly income is $2,000. You will receive a guaranteed monthly income of $4,000 for the rest of the payout term
  • Mobility Care Benefit
    • Receive a lump sum 20x of the guaranteed monthly income in the event you are diagnosed with Osteoporosis with Fractures or Severe Rheumatoid Arthritis
    • The maximum payout is $25,000 for this benefit

HSBC Life Retirement Income II is an SRS-approved retirement annuity plan.

Read about: The Complete Guide to Retirement Planning (2023 Edition)

Features of HSBC Life Retirement Income II 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

No

Additional Features and Benefits

Yes

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

Read aboutHow can I accumulate a million dollar (Realistically)

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HSBC Life Retirement Income II may be suitable if you are looking for

HSBC Life Retirement Income II may potentially be a good fit if the following matters to you:

  • Lifetime regular cash payout
  • Saving regularly over a period of time or
  • A one-time premium commitment with no further cash commitment
  • Retirement annuity plan payable with SRS
  • Insurance options without medical underwriting
  • Do not need access to the funds until retirement
  • To potentially generate higher financial returns compared to bank accounts

Read about:  Why your retirement planning starts now

HSBC Life Retirement Income II may not be suitable if you are looking for

HSBC Life Retirement Income II may potentially be a bad fit if the following matters to you:

  • Health and Protection coverage
  • High insurance coverage for Death or Terminal Illness
  • Insurance coverage for Early Critical Illness, Critical Illness or Total Permanent Disability
  • Lump-sum payout upon maturity
  • Potentially higher financial returns compared to a pure investment product.
  • Insurance policy with a high surrender value in the early years of the policy.

Read about: The Complete Guide to Retirement Planning (2023 Edition

Further considerations on HSBC Life Retirement Income II

  • How is HSBC Life or HSBC Life Retirement Income II investment returns based on historical performance?
  • How does HSBC Life Retirement Income II compare with Endowment policies from other insurance companies?
  • Can HSBC Life Retirement Income II fulfill my financial, insurance, health, and protection needs?

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

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

Where can I compare the payout and benefits of retirement plans and annuity policies?

Your retirement plans are meant to supplement your lifestyle and expenses in your golden years. Ensure your retirement plans matches the financial goal and objective you wish to achieve when you decided to talk a step back in life.

It is too late to regret once you have made your financial commitment. Specific product features, benefits, and payouts will differ more than you think across insurance companies.

And even worst, to find out you can compare retirement plans and annuity policies here,  100% free of charge on the InterestGuru.sg platform.

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Choose the starting payout age of your retirement income plan (currently only available for age 65).

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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.

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Before you go...
HSBC Life Retirement Income II 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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