Take your first steps in life insurance and make your projects a reality
Accessible
Join HSBC Essentiel 2 with a minimum down payment of €150(1) and scheduled payments from €45 per month.
Adapted to your projects
HSBC Essentiel 2 version Projets and HSBC Essentiel 2 version Générations. Choose (with the help of your advisor) the version that best suits your projects.
Online management
Manage your contract online with ease: additional payments, scheduled payments, switches and more.
Flexible payments
Choose the amount of your payments when you open your contract, you can change it at any time.
Is this contract right for me?
You are young, active and thinking about your first projects. To start saving regularly with a minimum payment of €150 and scheduled payments(2): HSBC Essentiel 2 version Projets could be the contract for you.
You have children or grandchildren and you want to prepare for their future. HSBC Essentiel 2 version Générations allows you to open a life insurance policy in their name or make a donation to a minor.
Advantages:
- sliding scale fee in the case of scheduled payments
- donation option
Simple and accessible
- Start your contract from €150(2) with scheduled payments from €45 per month in the version Projets
- Benefit from declining entry fees over time to reward your loyalty if you set up scheduled instalments(3)
- Simple and efficient managementManage your contract from your secure space under “Assurance Vie” (“Consultation, versements et arbitrages”).
- The same level of assistance online as in your branchWe advise you online on the allocation and investment vehicles that correspond to your investment project defined according to your risk profile.
| Year | Rate you'll pay |
|---|---|
From the date of the initial investment |
2,50% max |
From the 1st anniversary of the initial investment |
2,25% max |
| From the 2nd anniversary of the initial investment |
1,75% max |
From the 3rd anniversary of the initial investment |
1,50% max |
| Year |
From the date of the initial investment |
|---|---|
| Rate you'll pay |
2,50% max |
| Year |
From the 1st anniversary of the initial investment |
| Rate you'll pay |
2,25% max |
| Year |
From the 2nd anniversary of the initial investment |
| Rate you'll pay |
1,75% max |
| Year |
From the 3rd anniversary of the initial investment |
| Rate you'll pay |
1,50% max |
Manage your contract online
Manage your contract from your secure area under the Life Insurance tab (consultation, payments and arbitrations).
The same support online and in your branch
We advise you online on the allocation and funds that suit you, once your investment project has been defined and according to your risk profile.
Asset transmission
You have an objective of transmitting your assets:
- Start an HSBC Essentiel 2 version Projets contract for your children or grandchildren from an early age
- or choose HSBC Essentiel 2 version Générations with the donation option:
- accessible from €5000
- offering a double tax advantage(2):
- exemption from transfer duties within the limits of the legal allowances
- for your children and grandchildren: the tax benefits of life insurance policies
Protect your capital
Upon subscription, opt for the “Death Benefit”(1)(4): it guarantees, in the event of the subscriber's death, the payment of additional capital to the designated beneficiary (The additional capital is the difference, when positive, between the premiums paid but not surrendered less the instalment charges and the amount of the death benefit on the date of the claim for payment of capital).
Applicable Taxation
A specific tax regime applies to life insurance in the event of surrender and death.
Would you like to know more about HSBC Essentiel 2?
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*.
Always by your side
Online as in our branches, we advise you on the best ways to make payments and switches.
* 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 Key Investor Information Document (TICI) or the Specific Information Document (DIS) available from HSBC branches or by consulting the electronic address www.hsbc.fr, 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 France: Public limited company with share capital of €474,964,025 (as at 27/06/2019) - SIREN 775,670,284 RCS PARIS
Head Office: 103, Avenue des Champs Elysées - 75008 Paris.
Bank and insurance intermediary registered with ORIAS (Organisme pour le Registre des Intermédiaires en Assurance - www.orias.fr under number 07 005 894.
Advertisement concerning the subscription of a contract of HSBC Assurances Vie (France): Société Anonyme with a capital of 115,000,000,000 euros - SIREN 338 075 062 RCS Paris - Registered office: 15, rue Vernet - 75008 Paris - Company governed by the Insurance Code. Postal address: 75419 Paris Cedex 08.