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 Western and Eastern heritage inherited from our UK and Mainland China background


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

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Exchange rate

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Download hub

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


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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.



Education series

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Education series

Major benefits of investment through investment-linked assurance scheme

Whether you want to buy a property, save for your children's education or prepare for retirement, you need to start your financial planning as early as possible. Investment-Linked Assurance Scheme could be one of your options to achieve your goals.

Heng An Standard Life (Asia) Limited offers a wide range of Investment-Linked Assurance Schemes ("ILAS"). Each ILAS has its unique features. You may choose the appropriate scheme according to your needs across life-stages.

Investment with life protection – combine both investment and life protection in one policy.

Flexibility of investment – more flexible to select the investment choices according to your unique investment needs and risk appetite.

Relatively small investment amount – low minimum amount to invest in a variety of investment choices.

 Investment through ILAS offered by Heng An Standard Life  (Asia) Direct Investment of Funds through Banks / Fund houses
Minimum Regular Investment Amount As low as HK$350 per monthAs low as HK$1,000 per month
Minimum Additional Top Up AmountAs low as HK$1,200 per transactionAs low as HK$4,000 per transaction
Number of Investment Choices per transactionMaximum 10 investment choicesOne fund

Transparency of investment – "Direct Fund Approach" enables policyholders to keep track of the investment objective and performance of an investment choice more easily. (Please refer to Heng An Standard Life Education series 3 for more details about "Direct Fund Apporach".

Transparency of investment cost – fees and charges are clearly shown in the principal brochure.

Wide range of investment choices – the more variety of the investment choices, the easier the policyholders can select the appropriate choices for their investment needs and risk appetite.

Free switching charge – flexible to make switching of investment choices, free of charge.

No bid and offer spread – the bid and offer spread for most of the investment choices are waived. It could help policyholders save the transaction cost.

Bonus allocation – bonus units in terms of extra units of investment choices will be given to policyholders to enhance the potential return.


Comparison of different types of investment tools

 ILAS offered by Heng An Standard Life (Asia) Direct Investment of FundsTraditional Life Insurance
Life ProtectionYesNoYes
Min. Investment AmountRelatively lowRelatively highRelatively low
Investment ChoicesSelf-determinedSelf-determinedDetermined by insurance company
Range of Investment ChoicesComprehensiveExtensiveN.A.
Investment ObjectiveClearClearUnclear
Investment CostClearClearUnclear
Switching FeeNilYesN.A.
Bid and Offer SpreadNil for most of the investment choicesYes (normally 3%-5.5%)N.A.
Guarantee ValueDepends on the investment choiceDepends on the investment choiceYes
Upside PotentialUnlimitedUnlimitedLimited
Bonus Unit AllocationYesNoNo

Disclaimer: This document is intended to be distributed in Hong Kong only. The above information is for reference only and should not be relied on as advice for making any investment decisions. You should seek advice from your independent financial advisor if you have any doubt. Investment involves risks. Past performance is not indicative of future performance. Please refer to the Principal Brochures, Fund Fact Sheets and Offering Documents of the underlying funds for further information and its relevant risk factors.