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Compare life insurance wrappers

Find the policy that matches your needs.

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.

Compare our life insurance wrappers

Use the table below to help you find the best HSBC policy for your needs.
What do you want to do?
Build your savings
Grow, diversify or evolve your capital
Grow, diversify or evolve your capital
Manage your inheritance
Prepare for your retirement
Our solution HSBC Essentiel 2
HSBC Evolution Patrimoine Vie 2
HSBC Stratégie Patrimoine Vie 2
HSBC Essentiel Générations 2 option Donation
Plan Elysées Retraite Patrimoine
Minimum opening balance
150 €
1,000 €
150,000 €
5,000 €
3,000 €
Minimum lump sum payment
150 €
1,000 €
1,500 €
1,000 €
750 €
Minimum regular payment
45 € 75 €
250 €
N/A
50 €
Managed by our experts
No

Yes (automatic, profiled or by our experts)

Yes (by our experts)

No
No
Self-managed
Yes
Yes
Yes
Yes
Yes
Self-managed UCITS funds
58 around 80 Around 90, including non-HSBC funds
58 44
Self-managed Euro funds
Yes
Yes
Yes
Yes
Yes
Free first settlement
Yes
Yes
Yes
Yes
No
Online settlement
Yes
Yes
Yes
No Yes
Progressive investments
No Yes
Yes
No No
Limit orders
No Yes
Yes
No Yes
Stop loss No Yes
Yes
No No

Withdraw funds(1)
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
As a life annuity upon retirement(1)
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
Until retirement(1)
Online consultation and management(2)
Yes
Yes
Yes
Yes
Yes

Compare our life insurance wrappers

Use the table below to help you find the best HSBC policy for your needs.
What do you want to do?
Our solution
Build your savings
HSBC Essentiel 2
Grow, diversify or evolve your capital
HSBC Stratégie Patrimoine Vie 2
Manage your inheritance
HSBC Essentiel Générations 2 option Donation
Prepare for your retirement
Plan Elysées Retraite Patrimoine
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 €
Prepare for your retirement
3,000 €
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 €
Prepare for your retirement
750 €
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
Prepare for your retirement
50 €
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
Prepare for your retirement
No
What do you want to do?
Self-managed
Build your savings
Yes
Grow, diversify or evolve your capital
Yes
Manage your inheritance
Yes
Prepare for your retirement
Yes
What do you want to do?
Self-managed UCITS funds
Build your savings
58
Grow, diversify or evolve your capital
Around 90, including non-HSBC funds
Manage your inheritance
58
Prepare for your retirement
44
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
Prepare for your retirement
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
Prepare for your retirement
No
What do you want to do?
Online settlement
Build your savings
Yes
Grow, diversify or evolve your capital
Yes
Manage your inheritance
No
Prepare for your retirement
Yes
What do you want to do?
Progressive investments
Build your savings
No
Grow, diversify or evolve your capital
Yes
Manage your inheritance
No
Prepare for your retirement
No
What do you want to do?
Limit orders
Build your savings
No
Grow, diversify or evolve your capital
Yes
Manage your inheritance
No
Prepare for your retirement
Yes
What do you want to do?
Stop loss
Build your savings
No
Grow, diversify or evolve your capital
Yes
Manage your inheritance
No
Prepare for your retirement
No
What do you want to do?

Withdraw funds(1)
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
Prepare for your retirement
As a life annuity upon retirement(1)
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
Prepare for your retirement
Until retirement(1)
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
Prepare for your retirement
Yes

How to apply

HSBC Evolution Patrimoine Vie 2(3)

If you're happy that this policy suits your needs and circumstances, you can apply quickly and easily online.

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

 

Flexible policy that evolves to meet your changing needs.

 

The easy way to take your first steps into life insurance wrappers.

 

Comprehensive policy offering both HSBC and third-party funds.

 

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

(1) According to the provisions of the contract.

Before investing in a unit-linked fund, you must read the French version of the DICI (Document d’Information Clé pour l’Investisseur or Key Information for investors 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 Evolution Patrimoine Vie, HSBC Evolution Patrimoine Capitalisation, Elysées Opportunités, HSBC Stratégie Patrimoine Vie, HSBC Stratégie Patrimoine Capitalisation, Erisa Sélection, Erisa Sélection 2, Multi Epargne Vie and Multi Epargne Vie 2 (contracts taken out through HSBC France and its subsidiaries). Plan Elysées Retraite Patrimoine (PERP subscribed by the Vernet Retraite association, a non-profit association no. 04/1397 governed by the law of 1 July 1901 and by Law no. 2003-775 of 21/08/2003). 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 HSCB 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.

We're here to help you find the answers and while you're at it, tell us how we could do better.