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Futura Whole Life Insurance

Provide your family with the financial protection they deserve


Provide your family with the financial protection they deserve with this lifetime plan. Get a lifetime protection policy that means just that - it covers your whole life. And Whole of Life Insurance is flexible, it adapts to your ever-changing lifestyle.


With the HSBC Whole of Life Insurance, you will get:

  • A 'whole of life' policy that can cover you for a lifetime
  • The coverage can be extended to include additional benefits
    Including critical illness, permanent and total disability and long-term care.
  • Flexible frequency payments
  • A worldwide policy*
  • Opt for separate coverage for your spouse or joint coverage
  • Adjust the benefit every year to allow for inflation if chosen
  • Available in different currencies
    US Dollars, Euros, Pounds Sterling, Hong Kong Dollars, Swiss Francs and Japanese Yen.

Product overview

Important information

This product is offered by Zurich International Life insurance company. All product features, benefits, returns are offered by the insurance company and not by HSBC Bank Middle East Limited.

This whole of life insurance product is provided and underwritten by the same insurance company. 

Joint life could be spouse, partner, parent and child, siblings etc. 

Terms and Conditions apply


  • Active War Risk
  • Suicide (whether sane or insane at the time) within 12 months of the Policy Commencement Date
  • If a benefit is payable as a direct or indirect consequence of any act of the Life Insured which is a deliberate and material violation of any law

Exclusions have been kept to a minimum. Details of full exclusions are available on the policy terms & conditions


You can apply for Zurich Futura if you're over 18 years old (if you're the policy owner).

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Frequently asked questions

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Allows you to make both regular and single contributions and offers the potential for investment growth.


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