HSBC Life Wealth Harvest Review

The complete Pros and Cons on HSBC Life Wealth Harvest

HSBC Life Wealth Harvest (previously known as AXA Wealth Harvest) is a Regular Premium Investment-Linked Policy with 100% of regular premiums invested in units to focus on investment growth in the long run.

HSBC Life Wealth Harvest product details

  • Life Policy – Investment-linked policy
  • Age of entry
    • Life Assured: 1-month-old to 70 years old
      Policyholder: 18 to 99 years old
  • Choose to invest in SGD or USD.
  • Start-up Bonus
    • Start your investment with a 35% Start-up Bonus on your 1st year premium
  • Loyalty Bonus
    • Receive an additional Loyalty Bonus of 0.35% per annum (wef. 26 February 2024, previously 0.15% p.a.) on your account value from the 10th year onwards
  • Account Maintenance Fee Waiver
    • Your investment will be waived off Account Maintenace fees after 11 years from policy commencement
  • Life Replacement Option (LRO)
    • The Life Replacement Option (LRO) gives you the flexibility to transfer your plan to your spouse or child to help your legacy planning.
  • Invest more confidently with a wide, diverse selection of over 90 unique investment-linked sub-funds from a range of industries and geographical sectors.
  • No medical checkup is required. Enjoy a hassle-free application process when you sign up for this plan

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

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

Features of HSBC Life Wealth Harvest 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


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

Read about5 ways to beat inflation in Singapore

HSBC Life Wealth Harvest may be suitable if you are looking for

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

  • 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 compared to traditional Endowment and Whole Life Policy.
  • 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 Wealth Harvest may not be suitable if you are looking for

HSBC Life Wealth Harvest 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
  • 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.

Further considerations on HSBC Life Wealth Harvest

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

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

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 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 Wealth Harvest 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.

*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 Wealth Harvest 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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