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HSBC’s Universal Treasure Plus

A Life Insurance Plan

HSBC's UniversalTreasure Plus Plan

Spend your golden years getting the most out of life with HSBC's UniversalTreasure Plus plan. Retirement could be the best days of your life, with all the time in the world to fully enjoy the things you love, go places where you have always dreamed of and spend time with those you cherish. Let us help you enrich those years with a guaranteed income1, insurance protection and more.


  • Increasing annual guaranteed income in the form of guaranteed cash payment (GCP)1
  • Guaranteed maturity benefit1 of total premiums paid
  • Protection upon death

Issued by HSBC Bank Malaysia Berhad (Company no.127776-V) ("HSBC Bank"). HSBC's UniversalTreasure Plus ("this Plan") is underwritten by Allianz Life Insurance Malaysia Berhad (Company No.104248-X) ("Allianz Life") and HSBC is the intermediary in distributing this Plan. 

The benefit(s) payable under eligible policy is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Allianz Life Insurance Malaysia Berhad or PIDM.

1The percentage of Guaranteed Cash Payment (GCP) shall depend on the chosen premium payment term (Single Premium or Regular Premium) and type of GCP (immediate GCP or deferred GCP). The type of GCP shall be selected at the inception of the policy. The GCP and Guaranteed Maturity Benefit will only be payable provided that all premiums due and any interest charged on late premiums and any other indebtedness to Allianz Life are paid.

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