Ensure your wealth is passed on smoothly and discreetly, according to your wishes. Insurance is a powerful legacy-planning tool, helping you build multi-generational harmony. With deep succession-planning expertise, HSBC Life ensures smooth wealth transfer, seamless business succession, and value preservation.
HSBC Life High Net Worth
For every stage of life’s journey, we’re there.
Your ambitions are global. Your legacy is personal.
At HSBC Life, we believe true wealth goes beyond numbers. It represents your family's aspirations, the future of your business, and the enduring legacy you wish to create.
Wealth is on the move, and we are there with you
By 2030, a $5.8 trillion wealth transfer among Asia-Pacific’s HNW and UHNW families will present both opportunities and complexities for future generations. In response, many are diversifying wealth offshore and building resilient structures to withstand market volatility and geopolitical shifts1.
Based in Hong Kong, and with underwriting capabilities in Asia, Europe and the Americas, - and supported by HSBC’s extensive global network — we deliver seamless service and sophisticated protection that spans your international footprint.
Solutions designed for your unique journey
At HSBC Life, we offer integrated High-Net-Worth solutions designed to preserve, grow, and protect your wealth across borders and generations.
We design customised, insurance-focused strategies that safeguard, enhance, and transfer wealth with confidence — ensuring legacies are protected and prosperity endures.
HSBC Life have recently been named World’s Best Insurance Provider for Wealth Management at the 2026 Euromoney Private Banking Awards. This accolade marks the first time Euromoney have globally recognised an insurance business and stands as the ultimate validation of our ability to provide sophisticated solutions that empower HNW and UHNW clients to protect, preserve and grow their wealth across generations.
Download the HSBC Life High Net Worth Pitchbook to discover how HSBC Life can support you face your future with confidence.
Grow your wealth with powerful tools while maintaining access to your capital. Our policies are designed to deliver cash value growth and potential tax advantages, allowing you to build a sustainable legacy that benefits your family for years to come.
Provides financial security for you and your loved ones if the unexpected happens. Many of our policies offer flexible payment options, wealth accumulation opportunities, and added benefits such as early critical illness coverage or regular income payouts. This combination of protection and flexibility makes life insurance a practical part of your long-term financial plans.
In an age of sustained medical inflation, health risks can disrupt even the most carefully planned financial strategies.
Our Medical and Critical Illness Insurance Plans can help safeguard your and your family’s health and financial wellbeing against medical inflation and unexpected health risks. Plan options include full medical coverage for eligible illnesses, including those from unknown pre-existing conditions, access to medical care services worldwide as well as wealth growth opportunities.
Protect your business operations and ensure a seamless transition for the future. From Keyman protection to buy–sell agreements, we offer strategies that keep your business resilient, ensuring seamless ownership transfer and operational stability in the event of the unexpected.
What the future holds for legacy planning
HSBC Life’s comprehensive research reveals crucial insights into the legacy planning landscape and how wealth is being managed and passed on. We surveyed over 900 high-net-worth individuals (HNWIs) across different age groups and wealth brackets to understand their priorities and challenges.
HSBC Life – HNW Research Report – Global TC
HSBC Life – HNW Research Report – Global SC
Bridging the gap between intention and action
Our report highlights a critical disconnect: many high-net-worth individuals have clear intentions for their legacy but have yet to translate them into actionable plans. This gap can lead to uncertainty and may prevent your wealth from being managed according to your wishes. Understanding these trends is the first step towards securing your family’s future and ensuring your legacy endures.
Secure your legacy today
Learn more about the latest trends in legacy planning and take the first step towards closing your own intent-to-action gap. Download the full report for a detailed analysis and expert insights.
Key findings
Life Insurance: The Ultimate Legacy Tool
Life insurance outshines wills and trusts as the top choice for legacy planning. One in five HNWIs name it their primary tool, compared to just one in four for wills. The younger generation is leading the charge—one in three HNWIs under 40 prioritize life insurance as their go-to solution.
The Intentions-Action Gap: A $5.6 Billion Oversight
While nearly 75% of HNWIs claim to have strong knowledge of insurance and good intentions to act, many fail to follow through. This hesitation has created a staggering $5.6 billion gap in their combined $10.4 billion net wealth—an opportunity waiting to be addressed.
Market Volatility Spurs Legacy Planning
Economic uncertainty is the #1 trigger for legacy planning. Concerns about market and financial volatility are four times more influential than marriage and three times more impactful than the birth of children or grandchildren. When the markets shake, HNWIs act.
International Financial Hubs: A Must for Legacy Planning
Global financial centers are becoming indispensable for HNWIs. Over 90% are either using or seriously considering these hubs for their wealth and legacy needs. This trend highlights a growing sophistication as HNWIs turn to top-tier institutions for diversified, reliable solutions.
The Human Touch Still Matters
When it comes to legacy planning, trusted human connections remain key. Over 40% of HNWIs rely on peers and dedicated advisors for guidance, compared to just 30% who turn to technology-driven research. In a digital age, the human touch still holds sway.