Who we are

Our brand

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

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Company background

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

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What we offer

Investment-linked insurance plans

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

Aspiration
Fortuity

CareMore

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

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Exchange rate

Calculate the exchange rate from a range of currencies and dates

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Download hub

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

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Payment methods

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

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FAQ

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

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Go green

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

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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

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Notice in relation to investment choices

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

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Resources

Education series

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

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Market watch

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

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Glossary

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

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Important information before investment

Aspiration, Fortuity and other plans* (each a “Plan” and collectively the “Plans”) are investment-linked assurance schemes issued by Heng An Standard Life (Asia) Limited (the “Company”). Your investments are subject to the credit risks of the Company.

The premiums/contributions paid by you towards the Plans will become part of the assets of the Company. You do not have any legal or beneficial rights or ownership over any of those assets. Your recourse is against the Company only.

Your return on investment is calculated or determined by the Company with reference to the performance of the underlying funds. The return of the investments under the Plans shall be subject to the charges of the Plans and may be lower than the return of the corresponding underlying funds.

Early surrender, termination or withdrawal of the Plans/ suspension of or reduction in premium/contribution may result in a significant loss of principal and/or bonuses awarded. Poor performance of the underlying funds may further magnify your investment losses, while all charges are still deductible.

If the insurance coverage for your Plan incurs insurance charges, you should note the followings:

  • Part of the fees and charges you pay will be used to cover the insurance charges for the life coverage and any additional coverage you may choose (if applicable), and will be deducted from the value of your Plan.
  • The insurance charges for your life coverage may increase significantly during the term of your Plan due to a combination of factors, for example, age, gender, investment return of your investment choices. etc.
  • The higher the insurance charges, the lesser your premium/contribution is available for investment purpose.
  • The insurance charges may increase significantly to a level exceeding your regular premium/contribution payment, particularly where your investment choices have been incurring significant losses. In such case, the value of your Plan will be deducted to cover the insurance charges and other charges of your Plan. This may result in significant or even total loss of your investment and premium/contribution paid.
  • If the value of your Plan is not enough to cover the policy charges (including the insurance charges and other charges), your Plan will be terminated early and you will not be able enjoy any targeted death benefit or other benefit from your Plan.
  • You should speak to your financial adviser for details, such as how the charges may increase and could impact the value of your Plan.

The investment choices available under the Plans can have very different features and risk profiles. Some may be of high risk. Please read the offering documents of the relevant Plan which include the product brochure, product key facts statement and “Investment Choices Brochure”. You should also refer to the offering documents of the underlying funds for details.

The investment returns of the Plans may be subject to foreign exchange risks as some of the investment choices you selected and/or the assets of their underlying funds may be denominated in a currency which is different from that of your Plan.

Investment involves risks. You should not purchase a Plan unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.

You should not solely rely on the following information for making any investment decisions. You are reminded to read carefully the offering documents of the relevant Plan for further details including risk factors.

This website is prepared and issued by Heng An Standard Life (Asia) Limited.

* Other plans include plans which are currently not marketed to the public in Hong Kong: Aspire Investment Plan, Flexi-Pro, FutureCompass RI, FutureCompass SI, Harvest 101 Investment Plan, Harvest Elite Investment Plan, Harvest Wealth Investment Plan, Harvest Supreme Investment Plan, Leap Single Investment Plan, LifeMaster, Pro-Investor Investment Plan, Reach Retirement Plan, Spectrum Retirement Plan, Spring Education Plan, Steps Regular Investment Plan, Wealth Achiever Investment Plan and Wealth Amplifier Investment Plan.