People Protection

Legacy Planning

Your Goal:

Plan ahead to provide me and my heirs with financial security and peace of mind.

Why Life Insurance?

Enjoy smart allocation of wealth for ensuring liquidity and sufficient surplus to heirs.

Contact Us

Contact your Relationship Manager
Contact your Relationship Manager
Contact your Independent Legal Consultant
Contact your independent legal consultant


  • Insurance plans carry various features, such as different underwriting classes, guaranteed interest rate lock and multiple currency options, fulfilling all different needs

  • Life insurance policy can be held by a trust depending on the plan features, so trust beneficiaries can have access to the benefits without being the actual policyholders*

  • Achieve professional management to maximize the benefits from available




The above general insurance plan (“Plan”) is underwritten by QBE General Insurance (Hong Kong) Limited which is authorised and regulated in Hong Kong by the Insurance Authority. Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorised by QBE General Insurance (Hong Kong) Limited for the distribution of this Plan. Premiums will be payable to QBE General Insurance (Hong Kong) Limited upon application of this Plan. QBE General Insurance (Hong Kong) Limited would provide Hang Seng Bank commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.

In respect of an eligible dispute arising between the Hang Seng Bank Limited and the customer out of the selling process or processing of the related transaction, Hang Seng Bank Limited is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved directly between QBE General Insurance (Hong Kong) Limited and the customer.

  • * Only applicable to certain insurance products. Please obtain further information from your Relationship Manager or independent legal consultant.
  • For more information about the above solutions and services, please contact Hang Seng Bank's Relationship Managers.
  • The above information is for general reference only and is not intended to constitute advice or a recommendation to buy any of the products /services mentioned above by any prospective customer. For details in relation to the terms and conditions, fees, exclusions and/or disclaimers of the above services or insurance plans, please refer to the sales leaflets, product brochures and policy terms of the relevant services or insurance plans.