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HSBC Essentiel 2

Take your first step into affordable life insurance

Take your first step towards your future plans


Start with just €150(1) deposit and regular monthly payments from €45.


Choose, with your adviser, the best option to achieve your goals.



Easily manage your payments, transfers and more online.



Decide how much to pay each month at the start and change it at any time.


Why choose HSBC Essentiel 2?

Save for your future

If you're young, active and ready to start saving regularly(2) for your big plans, HSBC Essentiel 2 version Projets could be the ideal policy for you.

Prepare for your family

If you want to save for your children or grandchildren's future, HSBC Essentiel 2 version Générations enables you to open a policy in their name or leave them a gift.

Simple and accessible

  • Affordable payments

    Start your policy with just €150(2) deposit and make regular monthly payments from €45.

  • Loyalty rewards

    Save more on management fees the longer you save, when you set up regular payments(3).

  • Grows with you

    HSBC Essentiel 2 Générations version switches to Projets version when a child reaches maturity, keeping the tax benefits.

Rewarding your loyalty(5)

How your regular payment fees reduce

Year Rate you pay
From the first investment
2,50% max
After 1 year
2,25% max
After 2 years 1,75% max
After 3 years and next
1,50% max

Rewarding your loyalty(5)

How your regular payment fees reduce

Year From the first investment
Rate you pay
2,50% max
Year After 1 year
Rate you pay
2,25% max
Year After 2 years
Rate you pay
1,75% max
Year After 3 years and next
Rate you pay
1,50% max

Manage your policy online

Safe and secure

Manage your policy online in 'Assurance vie', including advice, buying and switches.

Expert advice

Get investment advice to suit your plans and risk profile, just as you would in branch.

Share your assets

If you want to leave something for your children or grandchildren, you have two options:

  1. Start an Essentiel 2 version Projets policy for them from an early age
  2. Choose Essentiel 2 version Générations with the gift option and easy access from €5000


This also offers double the tax benefits(2):

  • no inheritance tax up to the legal allowance
  • for your children and grandchildren: the tax benefits of life insurance policies

Protect your capital

Choose 'Death Benefit'(1)(4) when you start your policy to ensure that when the insured person dies, the chosen beneficiaries get the additional capital due to them.

The additional capital is the difference, when positive, between the premiums paid but not surrendered minus payment charges, and death benefit available on the claim date.

Applicable Taxes

A specific tax regime applies to life insurance in the event of illness and death.

Things you should know

Online as in your branch, HSBC supports and advises you on the funds adapted to your risk profile and your investment project for your payments and switches.

For the portion of unit-linked rights, the amounts invested are not guaranteed but are subject to upward or downward fluctuations, depending in particular on developments on the financial markets. They present a risk of capital loss borne entirely by the subscriber*.

How to apply

Speak to us in branch to find the right option for you.

Useful tools ans advice

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Your introduction to preparing for your loved ones' future.


The easy way to find a policy to match your needs and budget.


See how long it'll take to reach your investment goals.


Find out what you could do if you start preparing now.

You might also be interested in


Flexible cover that evolves to meet your changing needs.


Comprehensive cover offering both HSBC and third-party funds.


A tax-efficient way to provide for your children or grandchildren.

* Before investing in a unit-linked investment vehicle backed by a Collective Investment Scheme (UCI) governed by French or foreign law, you must read the French version of the DIC (Document d’Information Clé) or the Specific Information Document (DIS) available from HSBC branches or by consulting the electronic address, as well as the Key Information Document (KID), the Information Notice or the General Conditions of the life insurance or capitalisation contract and the appendix "Financial funds" presenting the funds available on the contract and the applicable fees. Before you make any investment decision it is your responsibility to ensure, with the help of your usual advisors, that the medium or media in question correspond to the regulations to which you are subject (and in particular the local legislation to which you may be subject). Past performance is not a reliable indicator of future performance, and should be analyzed with caution.

(1) According to the terms of the contract.

(2) In the case of the Project version, the initial subscription payment must be at least €150 with the implementation of scheduled payments, minimum €45 per month. Without setting up scheduled payments, the minimum initial payment is €225. In the Generation version, the initial payment at subscription must be at least equal to €5000.

(3) According to the conditions defined in the contract information notice, degressive charges are applicable to additional payments and scheduled payments for contracts with scheduled payments in progress.

(4) The amount of the additional capital is limited to 50% of the net payments of costs, up to a maximum of €50,000. This coverage is only available to you if the effective date of your membership is before your 70th birthday. The exercise of the full repurchase option, the occurrence of the term in the event of death and the occurrence of your 75th birthday will terminate the guarantee. This coverage is subject to exclusions.

(5) Entry fees deductibility applicable only to scheduled payments

HSBC Continental Europe - Public limited company with a capital of 491 155 980 euros - SIREN 775 670 284 RCS Paris - Registered office: 38, avenue Kléber - 75116 Paris - Bank and insurance intermediary registered with ORIAS (Organisation for the Registration of Insurance Intermediaries - under number 07 005 894

Advertisement concerning the subscription of a contract of HSBC Assurances Vie (France): Public limited company with a capital of  115 000 000 euros at 01/12/2020 - SIREN 338 075 062 RCS Nanterre – Postal address : 38, avenue Kléber - 75116 Paris - Registered office : Immeuble Cœur Défense - 110, esplanade du Général de Gaulle - 92 400 Courbevoie - Company governed by the Insurance Code.

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