Why take out a life insurance wrapper?
Life insurance wrappers offer specific tax rates and access to a wide range of investment vehicles, ideal for growing your savings over the long term.
That's why it's France's favourite investment.
In order to help you find the best life insurance, i.e. a policy adapted to your needs, situation and expected performance, HSBC offers a life insurance comparator.
Choose from four policies(3):
- HSBC Essentiel 2
The affordable way to take your first steps into life insurance wrappers.
- HSBC Evolution Patrimoine Vie 2
Flexible policy that evolves to meet your changing needs.
- HSBC Stratégie Patrimoine Vie 2
Comprehensive policy in which both HSBC and third-party funds are available.
- HSBC Transmission Patrimoine Vie 2
A tax-efficient way to provide for your children or grandchildren.
These policies let you put your savings in a choice of investments:
- Euro fund
This offers a capital guarantee(4) but returns are currently very low.
- Unit-linked vehicles
Equities and bonds linked to the market for greater potential growth.
Unit-linked investments(1) are subject to market movement and their value can go down as well as up. There is a risk of capital loss.
| What do you want to do? |
Build your savings |
Grow, diversify or evolve your capital |
Grow, diversify or evolve your capital |
Manage your inheritance |
|---|---|---|---|---|
| Our solution | HSBC Essentiel 2 version Projets |
HSBC Evolution Patrimoine Vie 2 |
HSBC Stratégie Patrimoine Vie 2 |
HSBC Essentiel 2 Générations option Donation |
| Minimum opening balance |
150 € |
1,000 € |
150,000 € |
5,000 € |
| Minimum lump sum payment |
150 € |
1,000 € |
1,500 € |
1,000 € |
| Minimum regular payment |
45 € | 75 € |
250 € |
N/A |
| Managed by our experts |
No |
Yes (automatic, profiled or by our experts) |
Yes (by our experts) |
No |
| Self-managed |
Yes |
Yes |
Yes |
Yes |
| Self-managed UCITS funds |
around 60 | around 80 | Around 90, including non-HSBC funds |
around 60 |
| Self-managed Euro funds |
Yes |
Yes |
Yes |
Yes |
| Free first settlement |
Yes |
Yes |
Yes |
Yes |
| Online settlement |
Yes |
Yes |
Yes |
No |
| Progressive investments |
No | Yes |
Yes |
No |
| Limit orders |
No | Yes |
Yes |
No |
| Stop loss | No | Yes |
Yes |
No |
Withdraw funds |
At any time, in part, as an income or in full |
At any time, in part, as an income or in full |
At any time, in part, as an income or in full |
On the Term Date in the Ancillary Agreement |
| Recommended term |
8 years for maximum tax benefit |
8 years for maximum tax benefit |
8 years for maximum tax benefit |
Until the Term Date in the Ancillary Agreement |
| Online consultation and management(2) |
Yes |
Yes |
Yes |
Yes |
| What do you want to do? |
Our solution |
|---|---|
| Build your savings
|
HSBC Essentiel 2 version Projets |
| Grow, diversify or evolve your capital |
HSBC Stratégie Patrimoine Vie 2 |
| Manage your inheritance |
HSBC Essentiel 2 Générations option Donation |
| What do you want to do? |
Minimum opening balance |
| Build your savings
|
150 € |
| Grow, diversify or evolve your capital |
150,000 € |
| Manage your inheritance |
5,000 € |
| What do you want to do? |
Minimum lump sum payment |
| Build your savings
|
150 € |
| Grow, diversify or evolve your capital |
1,500 € |
| Manage your inheritance |
1,000 € |
| What do you want to do? |
Minimum regular payment |
| Build your savings
|
45 € |
| Grow, diversify or evolve your capital |
250 € |
| Manage your inheritance |
N/A |
| What do you want to do? |
Managed by our experts |
| Build your savings
|
No |
| Grow, diversify or evolve your capital |
Yes (by our experts) |
| Manage your inheritance |
No |
| What do you want to do? |
Self-managed |
| Build your savings
|
Yes |
| Grow, diversify or evolve your capital |
Yes |
| Manage your inheritance |
Yes |
| What do you want to do? |
Self-managed UCITS funds |
| Build your savings
|
around 60 |
| Grow, diversify or evolve your capital |
Around 90, including non-HSBC funds |
| Manage your inheritance |
around 60 |
| What do you want to do? |
Self-managed Euro funds |
| Build your savings
|
Yes |
| Grow, diversify or evolve your capital |
Yes |
| Manage your inheritance |
Yes |
| What do you want to do? |
Free first settlement |
| Build your savings
|
Yes |
| Grow, diversify or evolve your capital |
Yes |
| Manage your inheritance |
Yes |
| What do you want to do? |
Online settlement |
| Build your savings
|
Yes |
| Grow, diversify or evolve your capital |
Yes |
| Manage your inheritance |
No |
| What do you want to do? |
Progressive investments |
| Build your savings
|
No |
| Grow, diversify or evolve your capital |
Yes |
| Manage your inheritance |
No |
| What do you want to do? |
Limit orders |
| Build your savings
|
No |
| Grow, diversify or evolve your capital |
Yes |
| Manage your inheritance |
No |
| What do you want to do? |
Stop loss |
| Build your savings
|
No |
| Grow, diversify or evolve your capital |
Yes |
| Manage your inheritance |
No |
| What do you want to do? |
Withdraw funds |
| Build your savings
|
At any time, in part, as an income or in full |
| Grow, diversify or evolve your capital |
At any time, in part, as an income or in full |
| Manage your inheritance |
On the Term Date in the Ancillary Agreement |
| What do you want to do? |
Recommended term |
| Build your savings
|
8 years for maximum tax benefit |
| Grow, diversify or evolve your capital |
8 years for maximum tax benefit |
| Manage your inheritance |
Until the Term Date in the Ancillary Agreement |
| What do you want to do? |
Online consultation and management(2) |
| Build your savings
|
Yes |
| Grow, diversify or evolve your capital |
Yes |
| Manage your inheritance |
Yes |
How to apply
Discuss your needs
If you have any questions, or you want to understand the impact on your tax and social security contributions, our advisers will be happy to help. They will be able to recommend an offer that meets your needs.
You might also be interested in
HSBC Evolution Patrimoine 2
Flexible policy that evolves to meet your changing needs.
HSBC Essentiel 2
The easy way to take your first steps into life insurance wrappers.
HSBC Stratégie Patrimoine Vie 2
Comprehensive policy offering both HSBC and third-party funds.
HSBC Transmission Patrimoine Vie 2
A tax-efficient way to provide for your children or grandchildren.
(1) Before investing in a unit-linked fund, you must read the French version of the DIC (Document d’Information Clé or Key Information document) and the prospectus, which are regulatory documents available from HSBC branches or by consulting our website, the contractual provisions of the life insurance wrapper contract and in particular the applicable fees. Past performance is not a reliable indicator of future performance, and must be analysed with caution.
(2) Up to a limit of 50,000 euros per transaction, on the following HSBC Assurances Vie (France) policies: Abondance, Abondance 2, HSBC Essentiel, HSBC Essentiel 2, HSBC Evolution Patrimoine Vie, HSBC Evolution Patrimoine Vie 2, HSBC Evolution Patrimoine Capitalisation, HSBC Evolution Patrimoine Capitalisation 2, Elysées Opportunités, HSBC Stratégie Patrimoine Vie, HSBC Stratégie Patrimoine Vie 2, HSBC Stratégie Patrimoine Capitalisation, HSBC Stratégie Patrimoine Capitalisation 2, Erisa Sélection, Erisa Sélection 2, Multi Epargne Vie and Multi Epargne Vie 2 (contracts taken out through HSBC Continental Europe and its subsidiaries). Within the limits of the provisions set out in the contracts. Before carrying out your transaction, and if you do not usually invest in the fund(s) selected, do not hesitate to contact your customer advisor to obtain information about these funds.
(3) Life insurance contracts taken out with HSBC Assurances Vie (France), a company governed by the Code des Assurances (Insurance Code).
(4) The sums invested in the fund in euros, after deduction of entry fees and management fees, are guaranteed.