Flexible life insurance that helps you plan ahead
The iSelect Guaranteed Future Plan protects your family and your dreams. This life insurance plan provides an additional source of income to achieve your goals and protect your loved ones from uncertainty.
Plan Unique Identification Number (UIN): 136N081V02
What you get with the iSelect Guaranteed Future Plan
More benefits
- Premium protection optionChoose to add premium protection cover to your plan to ensure that your family are protected if the unexpected happens.
- Loan facility availableYou may be able to get a loan to support your needs depending on your policy details.
- Tax benefitsYou may be eligible for tax benefits depending on the prevailing tax laws
Choose your plan
iAchieve and Flexi iAchieve
Pay for a limited period and get a guaranteed lump sum benefit at the end of your policy term.
- Get a guaranteed maturity benefit
- Pay premiums for 5, 7, or 10 years depending on your goals (for iAchieve customers)
- Earn guaranteed additions in the last 5 years of your plan
- Safeguard your family's future with payor premium protection cover should the unexpected happen
- Enjoy potential tax benefits depending on the prevailing tax laws
iAssure and Flexi iAssure
Pay for a limited period of time and enjoy a guaranteed income after your premium payment term. You'll also get a guaranteed lump sum benefit at the end of your policy term.
- Get a guaranteed maturity benefit
- Pay premiums for 5, 7, or 10 years depending on your goals
- Earn guaranteed additions in the last 5 years of your plan
- Safeguard your family's future with payor premium protector cover should the unexpected happen (for iAssure customers)
- Enjoy potential tax benefits depending on the prevailing tax laws
Easy iAchieve
Pay once and get a guaranteed lump sum benefit at the end of your policy term.
- Get a guaranteed maturity benefit
- Choose from a range of policy terms based on your goals
- Pay once with the single premium payment option so you don't need to worry about renewal premiums
- Choose life cover of 10 or 1.25 times the single premium payment depending on your needs
Choose your protection level
| Plan | iAchieve | Flexi iAchieve | iAssure | Flexi iAssure | Easy iAchieve |
|---|---|---|---|---|---|
| Death benefit | The death benefit is the sum assured upon death, plus:
The sum assured on death is the higher amount of either the guaranteed sum assured or 105% of the total premiums paid. |
The death benefit is the sum assured upon death, plus:
The sum assured on death is the higher amount of either the guaranteed sum assured or 105% of the total premiums paid. |
The death benefit is the sum assured upon death, plus:
The sum assured on death is the higher amount of either the guaranteed sum assured or 105% of the total premiums paid. |
The death benefit is the sum assured upon death, plus:
The sum assured on death is the higher amount of either the guaranteed sum assured or 105% of the total premiums paid. |
The death benefit is the sum assured upon death, plus the high premium addition.
The sum assured on death is equal to the guaranteed sum assured.
The guaranteed sum assured on maturity is calculated as your single premium payment times the guaranteed sum assured on maturity factor (GASM). Your GASM depends on the age of the life assured and your policy term. |
Payor premium protection cover
|
Optional
If the life assured and policyholder are the same person, then all future premiums payable will be waived upon death. Future benefits will accrue as if the policy was in force.
If the life assured and the policyholder aren't the same person, then all future premiums payable will be waived upon the death of the policy holder. Future benefits will accrue as if the policy was in force. The death benefit will be paid upon the death of the life assured. |
None | Optional
If the life assured and policyholder are the same person, then all future premiums payable will be waived upon death. Future benefits will accrue as if the policy was in force.
If the life assured and the policyholder aren't the same person, then all future premiums payable will be waived upon the death of the policy holder. Future benefits will accrue as if the policy was in force. The death benefit will be paid upon the death of the life assured. |
None |
None |
| Maturity benefit | You'll get the guaranteed sum assured on maturity.
You'll also get the accrued guaranteed additions and high premium addition, if any.
Your policy will finish once the maturity benefit is paid. All other benefits and coverage will stop. |
You'll get the guaranteed sum assured on maturity.
You'll also get the accrued guaranteed additions and high premium addition, if any.
Your policy will finish once the maturity benefit is paid. All other benefits and coverage will stop. |
You'll get the guaranteed sum assured on maturity.
You'll also get the accrued guaranteed additions and high premium addition, if any.
Your policy will finish once the maturity benefit is paid. All other benefits and coverage will stop. |
You'll get the guaranteed sum assured on maturity.
You'll also get the accrued guaranteed additions and high premium addition, if any.
Your policy will finish once the maturity benefit is paid. All other benefits and coverage will stop. |
You'll get the accrued guaranteed additions and high premium addition, if any. This happens at the end of the policy term.
Your policy will finish once the maturity benefit is paid. All other benefits and coverage will stop. |
| Survival benefit | None | None | You'll get guaranteed income paid to the policyholder at the end of each policy year. This happens once the premium payment term is finished. | You'll get guaranteed income paid to the policyholder at the end of each policy year. This happens once the premium payment term is finished. | None |
| Plan | Death benefit |
|---|---|
| iAchieve |
The death benefit is the sum assured upon death, plus:
The sum assured on death is the higher amount of either the guaranteed sum assured or 105% of the total premiums paid. |
| Flexi iAchieve |
The death benefit is the sum assured upon death, plus:
The sum assured on death is the higher amount of either the guaranteed sum assured or 105% of the total premiums paid. |
| iAssure |
The death benefit is the sum assured upon death, plus:
The sum assured on death is the higher amount of either the guaranteed sum assured or 105% of the total premiums paid. |
| Flexi iAssure |
The death benefit is the sum assured upon death, plus:
The sum assured on death is the higher amount of either the guaranteed sum assured or 105% of the total premiums paid. |
| Easy iAchieve |
The death benefit is the sum assured upon death, plus the high premium addition.
The sum assured on death is equal to the guaranteed sum assured.
The guaranteed sum assured on maturity is calculated as your single premium payment times the guaranteed sum assured on maturity factor (GASM). Your GASM depends on the age of the life assured and your policy term. |
| Plan |
Payor premium protection cover
|
| iAchieve |
Optional
If the life assured and policyholder are the same person, then all future premiums payable will be waived upon death. Future benefits will accrue as if the policy was in force.
If the life assured and the policyholder aren't the same person, then all future premiums payable will be waived upon the death of the policy holder. Future benefits will accrue as if the policy was in force. The death benefit will be paid upon the death of the life assured. |
| Flexi iAchieve | None |
| iAssure |
Optional
If the life assured and policyholder are the same person, then all future premiums payable will be waived upon death. Future benefits will accrue as if the policy was in force.
If the life assured and the policyholder aren't the same person, then all future premiums payable will be waived upon the death of the policy holder. Future benefits will accrue as if the policy was in force. The death benefit will be paid upon the death of the life assured. |
| Flexi iAssure |
None |
| Easy iAchieve | None |
| Plan | Maturity benefit |
| iAchieve |
You'll get the guaranteed sum assured on maturity.
You'll also get the accrued guaranteed additions and high premium addition, if any.
Your policy will finish once the maturity benefit is paid. All other benefits and coverage will stop. |
| Flexi iAchieve |
You'll get the guaranteed sum assured on maturity.
You'll also get the accrued guaranteed additions and high premium addition, if any.
Your policy will finish once the maturity benefit is paid. All other benefits and coverage will stop. |
| iAssure |
You'll get the guaranteed sum assured on maturity.
You'll also get the accrued guaranteed additions and high premium addition, if any.
Your policy will finish once the maturity benefit is paid. All other benefits and coverage will stop. |
| Flexi iAssure |
You'll get the guaranteed sum assured on maturity.
You'll also get the accrued guaranteed additions and high premium addition, if any.
Your policy will finish once the maturity benefit is paid. All other benefits and coverage will stop. |
| Easy iAchieve |
You'll get the accrued guaranteed additions and high premium addition, if any. This happens at the end of the policy term.
Your policy will finish once the maturity benefit is paid. All other benefits and coverage will stop. |
| Plan | Survival benefit |
| iAchieve | None |
| Flexi iAchieve | None |
| iAssure | You'll get guaranteed income paid to the policyholder at the end of each policy year. This happens once the premium payment term is finished. |
| Flexi iAssure | You'll get guaranteed income paid to the policyholder at the end of each policy year. This happens once the premium payment term is finished. |
| Easy iAchieve | None |
Key product information
Important information to help you choose your plan.
Things to know
Who can apply?
To apply, you must:
- meet the minimum and maximum age requirements
- be an HSBC India customer
- not be a resident or national of Japan or the US
Ready to apply?
Apply online
Fill out our online form to get started with the iSelect Guaranteed Future plan.
Contact us
We'll help you apply and answer any questions you might have.