Savings Accumulator. joyful
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1 Savings Accumulator joyful
2 Achieve your dreams with financial planning With a constantly evolving economy and uncertainties in life, it is difficult to predict what is in store for the future. It is critical that one is financially prepared to face these challenges and demands. 1
3 HSBC recently conducted a global study on the Future of Retirement titled Choices for later life, the reality of retirement is evolving and semi-retirement working fewer hours and/ or changing jobs is becoming more widespread. Traditionally, retirement meant a sudden switch from a busy full time work routine to a more relaxed lifestyle. 62% of today s working age Singaporeans are seeking a more gradual transition to life after work. The direct relationship between financial planning and greater savings is not just a correlation; it is a cause and effect: With Savings Accumulator, you can systematically set aside a sum of money regularly to achieve your goals in a disciplined manner. This is an endowment insurance plan that helps you accumulate your savings by giving you capital guarantee 2 at the maturity of the policy and potential non-guaranteed upside through revisionary 3 and terminal bonuses. In addition to this, Savings Accumulator comes with insurance protection on death and terminal illness 4 providing you and your loved ones financial security. 2
4 Savings Accumulator gives you the financial flexibility to better plan your tomorrow Guaranteed coupon payout every six months starting from the end of the 3rd policy year With Savings Accumulator, you will receive regular guaranteed coupons of 2.5% of your sum insured that will be paid out every six months from the end of the third policy year. Boost your savings by depositing the guaranteed coupon payouts to earn higher returns by accumulating coupon payouts at the prevailing interest rate 5. Flexible premium 6 Depending on your needs, you can choose a lump sum premium payment or regular premium payment. Flexibility to enhance your protection needs You will enjoy protection against death and terminal illnesses 4 where the benefit is increased each year as declared reversionary bonus is added to the sum assured. You can also increase your protection by adding supplementary benefits thereby ensuring your family s future is financially protected against the unexpected. 3
5 How does Savings Accumulator plan work? Scenario: Ms. Lim, (age 30 next birthday, female, non-smoker) is a successful architect and mother. To be able to spend more time with her child, Ms. Lim is planning to take a sabbatical leave in five years time. But she wants to ensure that her loss of regular income does not affect her financial goals. So, Ms. Lim purchases Savings Accumulator with no medical underwriting for a 10-year policy term and S$48,000 Sum Insured, with the guaranteed coupon deposited in the plan. She chooses to reduce her premium paying term to 5 years only. Now with an annual premium commitment of around S$11,778, payable for 5 years, she would have access to funds of S$70,502 7 at maturity available as contingency funds. Maturity payout She pays an annual FlexiPay premium of S$11,778 for 5 years. Total FlexiPay Premium paid S$58,892. Year 0 Year 5 Year 10 At the end of year 10, Ms. Lim has access to total of S$70,502 funds and the time off from her work to spend more time with her child. Total Guaranteed payout on maturity: S$59,056 Total Non-Guaranteed payout on maturity: S$11,446 Total Payout on maturity: S$70,502 The projected yield at maturity is around 2.27% per annum 4
6 With reference to the above scenario, in the event of death, given that this plan does not require medical underwriting, the projected total death benefit in the first five years will be lower than the Sum Insured, which includes 101% of the total premiums^ paid + Bonuses (if any) + FlexiPay Premium Reserve (if any) and Accumulated guaranteed coupon income (if any), less any amount owing to the company. The table to the right projects the percentage of death benefit payable over the total basic premiums paid at the end of each policy year ^ excludes additional premium. Policy Year Projected Death Benefit Payout 101% 105% 113% 122% 127% 5
7 Plan today! For a comfortable tomorrow. Speak to our authorised distributor HSBC today to address your insurance needs. Call 1800-HSBC NOW ( ) Click Visit any HSBC Branch For all policy servicing related enquiries please call (65)
8 Frequently asked questions 1. What premium terms are available for Savings Accumulator? Policy Term Payment option FlexiPay Minimum FlexiPay Premium Term Maximum FlexiPay Premium Term 10 Limited-pay A built-in feature throughout the policy term 1 year 5 years 2. What kind of protection coverage does Savings Accumulator provide? Savings Accumulator provides insurance coverage against death and terminal illness, as below: Policy Term Death/ Terminal Illness Benefit 10 First 5 Policy Years, the Company pays the sum of: (a) 101% of the total basic premium^ paid; (b) Bonuses (if any); (c) FlexiPay Premium Reserve (if any); and (d) Accumulated guaranteed coupon income (if any) Less any amount owing to the Company. The benefit for the first five years is reduced for the 10 year plan because this plan does not require medical underwriting. ^ excludes additional premium 6th Policy Year onwards, the Company pays the sum of: (a) Sum Insured; (b) Bonuses (if any); (c) FlexiPay Premium Reserve (if any); and (d) Accumulated guaranteed coupon income (if any) Less any amount owing to the Company. 7
9 3. How does the guaranteed coupon payout work? You will receive a guaranteed coupon payment of 2.5% of the Sum Insured every half-yearly starting from the end of the 3rd Policy year, with the last payment paid on the maturity date. You may choose one of the following options to enjoy coupon payouts: (a) Receive the guaranteed coupon every 6 months, starting from the end of the 3rd policy anniversary; or (b) To deposit the guaranteed coupon in the plan to be accumulated at the prevailing interest rate. Note: Withdrawal of deposited guaranteed coupon (inclusive of all accumulated interest) must be in full. No partial withdrawal is allowed. 4. What is the entry age criteria for Savings Accumulator? Policy Term 10 Entry Age (ANB) 1-65 Maximum Expiry Age What is sum assured limit for this plan? Policy Term 10 Minimum Sum Assured S$10,000 Sum Assured S$500, What is the underwriting requirement for this plan? Policy Term 10 Guaranteed Issuance Offer (GIO) No medical underwriting is required, subject to maximum sum assured of S$500,000 per life insured. 8
10 About HSBC Group and HSBC Insurance HSBC, a truly global brand The Hongkong and Shanghai Banking Corporation Limited is the founding member of the HSBC Group, which serves around 48 million customers through four global businesses: Retail Banking and Wealth Management, Commercial Banking, Global Banking and Markets, and Global Private Banking. The Group serves customers worldwide from over 6,100 offices in 72 countries and territories in Asia, Europe, North and Latin America, and the Middle East and North Africa. With assets of US$2,549bn at 30 September 2015, HSBC is one of the world s largest banking and financial services organisations. HSBC Insurance Singapore Our financial strength currently stands at almost S$3 billion in assets as at 31 December, Our Capital Adequacy Ratio (CAR) as at 31 December, 2014 was 285%, more than the statutory capital requirement. A+ rating from Standard & Poor s in 2015 thanks to our continued growth, strength of management and sound financial condition. Safety net for your assets HSBC Insurance Singapore is a member of the Policy Owners Protection Fund (PPF) scheme that was established to compensate policyholders in the event of the default of any registered insurer in Singapore. The PPF scheme will cover 100% of the liability of life policies, subject to applicable caps, in the event of the default of a registered insurer. This will allow for better protection to policy owners. 9 As prescribed in the Deposit Insurance and Policy Owners Protection Schemes Act 2011.
11 1 Choices for later life, the 2015 Singapore Report shares views of 1,000 respondents in Singapore based on a survey conducted in July and August The report is available on 2 Capital guaranteed at maturity comprises of the total guaranteed coupons and guaranteed maturity benefit. However, the capital guaranteed does not cover the additional premiums paid for your supplementary benefits (other than FlexiPay). 3 The Reversionary Bonuses are not guaranteed but once delcared it forms part of the guaranteed benefits of your policy. 4 Terminal Illness refers to a conclusive diagnosis of an illness that is expected to result in the death of the Life Insured within 12 months. This diagnosis must be supported by a specialist and confirmed by the Company s appointed doctor. 5 The prevailing interest rate credited on coupon deposited is currently 3.00% per annum, and it is subject to change from time to time. 6 The FlexiPay supplementary benefit is an integral part of the 10 year plan and is not an optional supplementary benefit. 7 The maturity value and rate of return depends on the investment amount, the investment period, the performance of the underlying investment and the life insured s age. The maturity value and rate of return are based on the non-guaranteed investment rate of return of 4.75% per annum. 8 The project terminal illness payout is based on a non-guaranteed investment rate of return of 4.75% per annum. Important notes Savings Accumulator is underwritten by HSBC Insurance (Singapore) Pte. Limited (Reg. No N), 21 Collyer Quay #02-01 Singapore and distributed by HSBC Bank (Singapore) Limited ( HSBC ). It is not an obligation of, a deposit in, or guaranteed by HSBC. This brochure contains only general information and does not have regard to the specific investment objectives, financial situation and particular needs of any specific person. It does not constitute an offer to buy or sell an insurance product or service. A copy of the Product Summary in relation to Savings Accumulator is available and can be obtained from our authorized product distributor. A person interested in this product should read the relevant product summary for details before deciding whether to buy this product. Buying a life insurance policy is a long term commitment. An early termination of the policy usually incurs high cost and the surrender value payable may be less than the total premiums paid. Information is correct as at 9 May This material is issued by HSBC Insurance (Singapore) Pte. Limited. Effective from May 2016
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