Who we are

Our brand

We strive to help customers get more from life with HASL Asia

Company background

HASL Asia enjoys a unique blend of Eastern and Western heritage inherited from our Mainland China and UK background

Awards and recognition

Heng An Standard Life Asia earns industry recognition for its professional services and products

What we offer

Investment-linked insurance plans

Our investment-linked insurance plan may help you capture market potential and cater for your insurance needs



Enjoy peace of mind for you and your family with extensive health coverage

Refundable Critical Illness Insurance Plan

Help and support

Interest rate

Calculate the interest rate from a range of currencies and dates

Exchange rate

Calculate the exchange rate from a range of currencies and dates

Download hub

Access forms to switch policies, sign up for investments, change personal information

Payment methods

Choose your preferred way to pay for policies, investments, and more


Need more clarity? Read our selected list of questions to guide your understanding

Go green

Go green, go paperless Support environmental friendliness by moving away from paper to electronic notices

Investment information

Professional investment management

Our investment-linked insurance plans offer a wide range of investment choices linked to underlying funds managed by reputable investment managers

Notice in relation to investment choices

Stay fully informed on your investments with the up-to-date notices

Our Investment Choices

Investment involves risks. Past performance is not indicative of future performance. For details of the risk factors, fees and charges of the plan, please refer to the offering documents of the relevant plan.


Hong Kong New Capital Investment Entrant Scheme

Committed to offering more with wealth-focused insurance solutions, catering to customers’ financial needs under the New CIES

Education series

Gain more understanding about your insurance with our guides, from basic principles to managing investments over the long term

Market watch

Follow trends and get the latest information about various industry sectors and behaviours


A lexicon of insurance-related words to help aid your understanding

Education series

Investment Choices for Cash Dividend Distribution*- one of the sources of passive income

Investment Choices for Cash Dividend Distribution (hereinafter referred to as the "Investment Choices (Cash Distribution)") are favoured by customers who aim for passive income regardless of investment market performance. Compared with the investment portfolios which are structured for capital appreciation, Investment Choices (Cash Distribution) offer a steady stream of passive income through investment in the instruments with relatively stable and regular interest returns.

Where do Investment Choices (Cash Distribution) invest in?

Investment Choices (Cash Distribution) are primarily invested in bonds and money market instruments. To provide higher returns, some may hold high-dividend equities or preferred stocks in their portfolio, and even extend holdings to non-traditional markets and other compatible asset classes, such as bond futures and index funds (ETFs). The investment is also distributed across different geographic regions, including the United States, Europe, OECD countries, China and emerging markets.

Key features of Investment Choices (Cash Distribution), Preservation and Appreciation

Broadly speaking, Investment Choices (Cash Distribution) are invested in a diversified mix of bonds from all over the world. While the goal is to seek stability in returns, some may strengthen the portfolio through investment in the instruments that help capture the promising areas of opportunities, like high dividend equities. As such, the strategic asset mix is generally regarded as an investment option offering relatively lower risk and steady returns.

When in times of market uncertainty, some asset classes of Investment Choices (Cash Distribution) are likely to meet the income expectations. It is because the investment portfolio can enjoy recurring income from bonds which helps balance risks amidst market volatility. Meanwhile, an improvement in economic conditions would lead to better growth opportunities from high dividend equities. Therefore, Investment Choices (Cash Distribution) are dynamic in capital preservation and appreciation.

It should be noted that Investment Choices (Cash Distribution) usually include a substantial portion of bonds, changes in interest rates may still affect their performance.

Why choose Investment Choices (Cash Distribution)?

Although Investment Choices (Cash Distribution) primarily consist of internationally diversified portfolio of bonds, they are not limited to the risk profile of “conservative” customers. Indeed, no matter what stage of life you are in, a certain percentage of investment with relatively low risk and stable return should be included in the portfolio, it helps develop a balanced investment scheme in the long term.  Investment Choices (Cash Distribution) could be considered as one of the viable tools for asset allocations, as their main investment objective is to strive for a consistent income stream from interest payments.

As Financial markets change constantly, customers should act in a precautionary way. It is advisable to clearly understand their risk profile and product information before investing. They should also seek professional advice from financial consultants if it is necessary. For further information of the investment choices available, please visit


*Please note:

  • The distribution of dividend of the corresponding underlying fund including the amount or rate of dividends or frequency of distribution are not guaranteed and is subject to the discretion of the corresponding underlying fund. The amount of cash dividend paid is not an indication or a projection or forecast of cash dividend to be paid in the future. 
  • The corresponding underlying fund of Investment Choices (Cash Distribution) may at its discretion pay dividend out of capital or gross income while charging / paying all or part of the underlying fund’s fees and expenses to / out of its capital of the underlying fund (i.e. effectively pay dividend out of capital). Such payment of dividends out of capital amounts to a return or withdrawal of part of the investor’s original investment or from any capital gains attributable to that original investment, and may result in an immediate reduction of the net asset value per share of the corresponding underlying fund after the distribution date of the underlying fund, which may have a negative impact on the prices of the respective Investment Choices (Cash Distribution). Please also note that a positive distribution yield does not imply a positive return. 
  • In comparison to investment choices that reinvest dividend, Investment Choices (Cash Distribution) pay out cash dividend and hence, the account value of the investment-linked insurance plan will be lower and it (i) will therefore lead to a lower amount of bonus (if applicable) ; (ii) may reduce the proceeds from death claim; and (iii) will lead to policy termination when the account value of the policy is insufficient to cover the relevant policy fees and charges due. You should not choose Investment Choices (Cash Distribution) unless you understand them and your financial advisor has explained to you how they are suitable for you.
  • You should not choose Investment Choices (Cash Distribution) unless you understand them and your financial advisor has explained to you how they are suitable for you.