HSBC Life products
HSBC Life Wealth Voyage Modeller
Product selection
Select product
Selected product
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Client and premium
Policy inputs
Projection assumptions
Return and cashflow
Top-ups and withdrawals Optional cashflow assumptions
Dividend simulator Optional; off by default
Policy mechanics
What is included
Bonuses and charges Open for year-by-year mechanics
Policy value
Projected account value
Projection
Projection table
Reference
FAQ
How should I read the default scenario?
The default inputs are a starting point for adviser-side modelling. The projection applies the HSBC Life Wealth Voyage mechanics, bonuses, charges, and illustrated return assumptions shown on screen.
What do the 4% and 8% returns mean?
They are illustrated investment returns before fund management charge. They are not guaranteed returns, caps, floors, or forecasts.
Which HSBC bonuses are modelled?
The model includes Start-up Bonus, campaign Additional Start-up Bonus, Power-up Bonus, Loyalty Bonus, and campaign Additional Loyalty Bonus where eligible.
Which charges are modelled?
The model includes fund management charge, account maintenance fee, top-up premium charge, premium holiday charge, partial withdrawal charge, early encashment charge, and the additional EEC after regular-account partial withdrawals.
How are top-ups handled?
Top-ups are only modelled from policy year 2, before attained age 70, with a minimum top-up amount and a lifetime cap of two times the original annualized regular premium. The model accepts only the remaining cap and shows any blocked top-up in the table.
How are partial withdrawals handled?
Withdrawals are taken from the top-up account first. Regular-account withdrawals during the MIP are limited by the minimum holding amount and have the applicable PWC deducted from the payout.
How does the Premium Holiday setting work?
Premium Holiday is only modelled from policy month 25 and during the selected MIP. The first 24 Premium Holiday months are free; if the holiday continues, the applicable PHC is deducted monthly from the regular premium account.
What is outside this model?
Premium reduction and Bonus Recovery Charge, holiday backpayment, actual dealing-day pricing, currency conversion, sub-fund-specific expenses, underwriting, tax, and official quotation wording remain outside this deterministic local model.