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With Profits Investments

A single premium plan for sustainable long-term growth

A With-Profits plan is a pooled investment in which your money is combined with that of other policyholders and invested into a wide range of financial instruments, including:

  • Local and international equities
  • Local property
  • Malta Government stock
  • Other local and international bonds
  • Cash and other suitable instruments. 

The aim of the plan is to ensure sustainable long term growth which maximises returns whilst maintaining a level of capital protection, as long as the plan is kept to maturity.


  • Affordable premiums

    The minimum single premium required to start a plan is €5,800. There is no maximum amount of investment.

  • Capital protected

    The Single Premium Plan is a capital protected* with profits life assurance savings plan which provides you with a secure and effective method of building capital in the medium to long term with the added benefit of limited life cover.

  • Tax-free annual bonus

    An annual bonus rate is declared annually in advance by HSBC Life Assurance (Malta) Ltd. and is tax-free in the hands of the policy holder. The Total Annual Bonus rate is reviewed at the end of each year and depending on investment returns during the year, a special additional annual bonus may be paid.

  • Low fees

    There is a one off allocation fee of 2.5% on your capital**. The allocation fee is reduced to 2% for investments over €99,999.99. The policy features no annual management or annual policy charges. There are also no surrender charges after the first three years, and you have the option to withdraw the whole annual bonus declared in the previous year, also without any charges.

  • Flexible deposits

    As a policy holder, you have the option to make multiple deposits when it suits you, without having to start a new policy or committing yourself to regular payments.

  • Additional security

    An automatic sum assured of €2,330 is paid in addition to the policy account should the life assured pass away before the age of 61.

* See page 2 of the Key Features document under ‘Risk Factors‘ for the conditions applying to this protection.

** For all information relating to cost and charges, please read the Key Features and the Key Information documents.

Are you eligible?

The With-Profits is available as a single premium re-investment of maturing policies.

Book an appointment

To find out more about our savings and investment services, book an appointment for investment advice with a member of our financial planning team.

Important documents

Further details can be found in the product brochure (PDF, 222Kb).

For all information relating to cost and charges, please read the Key Features (PDF, 83Kb) and the Key Information documents. 

Risk Warnings

If you are not sure about investing in this product or which level of risk is appropriate for you, please seek financial advice.

If you cash in the plan before the end of term you may get back less than your original investment.

Past performance is not a guarantee for future performance.

Currency fluctuations may affect the value of the investment.

This information is not to be construed as investment advice. It is important that you read this information in conjunction with the Brochure, Key Features Document, Policy Terms & Conditions , Proposal Form and the Policy Schedule.

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The Single Premium Plan is manufactured by HSBC Life Assurance (Malta) Ltd. The policy is distributed to investors in Malta through HSBC Bank Malta p.l.c.

HSBC Life Assurance (Malta) Ltd (Registered Office: 80, Mill Street, Qormi QRM 3101 Malta. Company No: C18814) is regulated and authorised by the MFSA (Malta Financial Services Authority, Notabile Road, BKR3000, Attard, Malta) to carry on long term business of insurance under the Insurance Business Act 1998. HSBC Bank Malta is enrolled as a Tied Insurance Intermediary for HSBC Life Assurance (Malta) Ltd under the Insurance Distribution Act, (Cap 487 of the Laws of Malta). (Registered Office: 116, Archbishop Street, Valletta VLT 1444. Company No: C3177).

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