Pass on your wealth to future generations
Save on tax
Transfer before your 70th birthday to reduce the tax paid by your beneficiaries
Give over €152,500 per person
Provide for non-tax exempt heirs such as partners or siblings, subject to conditions
Leave a strong legacy
Invest a third of your savings in useful economic sectors, like small to medium businesses
Enjoy more growth
Invest for the medium to long term in five quality diversified funds
Why choose HSBC Transmission Patrimoine Vie 2?
- Dedicated to wealth transfer(1)
- help your loved ones get the most benefit from your life insurance strategy
- Manage your savings easily
Start with at least €30,000 of capital, then you can:
- make one-off payments from €1,000
- make regular monthly payments from €75
- a single management mode: piloted management
- Benefit from"Vie Génération" tax relief
Our automatically managed policy ensures that your investments qualify.
What is the "Vie Génération" scheme?
It's a tax-efficient way to invest in the development and dynamism of small businesses in France and Europe.
To benefit from tax relief, you must be at least 33% invested in priority sectors on HSBC Euro PME support.
The rest of your policy is invested in one of our four most high-end diversified funds.
What are the tax benefits ?
'Vie Génération' tax relief means your beneficiaries save an extra 20% on sums transferred through this policy.
Other applicable taxes
Life insurance policies are subject to income tax if you close your account.
Protect Your Capital
Choose the "Garantie Plancher(4)" (Death Benefit') 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.
Things you need to know
Before you apply, please read the following document. To discuss with an adviser, please book an appointment.
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 options for you.
Useful tools and advice
Read our Life Insurance Guide
|Your introduction to preparing for your loved ones' future.|
* 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 Document d’Information Clé pour l’Investisseur (DICI- Key Investor Information Document) or the Document d’Informations Spécifiques (DIS- Specific Information Document) available from HSBC branches or by consulting the electronic address www.hsbc.fr, as well as the Document d’Informations Clés (DIC - Key Information Document), the Notice d’Informations (Information Notice) or the General Conditions of the life insurance or capitalisation contract and the appendix “Supports Financiers” (Financial supports) presenting the investment supports available on the contract and the applicable fees. Before any investment decision is made, 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 analysed with caution.
(1) With a capital to be transferred of more than €152,500 per beneficiary, for non-exempt heirs (spouses, PACS partners, or brother and sister under conditions)
(2) for payments made before age 70, provided for by Article 990I of the Code Général des Impôts (General Tax Code)
(3) brother and sister under conditions
(4) Within the limits of the provisions of the contract. The amount of additional capital paid under the Garantie Plancher (Death Benefit) is limited to 50% of the payments made but not redeemed less expenses, up to a maximum of €750,000.
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 - www.orias.fr) 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.