Our Expertise

HSBC Assurances Vie
Our expertise

What we do

We design and manage life and pension insurance, creditor protection insurance and term life solutions to meet the current and future needs of our policyholders.

The quality of service we offer our partners and policyholders is based on:

Proximity of our team who are experts in all aspects of wealth
Reliability thanks to proven product governance
Accessibility due to our processes and digital tools
Financial solidity as a subsidiary of HSBC Continental Europe

Our strengths

Our expertise is based on the know-how of HSBC's network of local and global teams.

Wealth and social expertise: our specialists can support our distributors on many topics, such as joint ownership subscriptions, drafting beneficiary clauses and pensions. They also create educational materials, fact sheets and regulatory updates which our partners can access.
Quality products: our processes and governance enable us to build a solid, secure offering. Our range of products integrates the ESG concerns of the company, via a committed sustainable investment policy.
Digital tools: we use a digital platform intended to set up simplified routes for our customers, integrated with our partners. Our platform gives Relationship Managers access to customer information making it easier to monitor day-to-day operations. The e-signature makes it possible for our professionals to carry out main customer operations remotely.
International network: we benefit from the Group's international expertise, particularly in asset management through our partners HSBC Global Asset Management, and in the due-diligence of third-party asset managers and funds.
Financial solidity: we've a prudent risk management and a solid balance sheet, enabling us to prepare for the future. Our solvency capital requirement coverage ratio[@solvency2] is at 232% (as of 31/12/2022).

Wealth management

We design life investment, capitalisation and retirement products to meet different wealth targets at every phase of life.

A wide choice of funds management: we pay close attention to fund selection from our partners: traditional or alternative funds, funds uncorrelated with the markets, thematic funds, ESG or labelled funds, etc. Our priority is to propose a range of unit links with different strategies and expertise.

Our investment strategy on the euro fund is based on 3 pillars:

Prudence: generating a regular return and limiting market risks through a large portion of fixed-rate bond investments.
Credit quality: maintaining a high relative credit quality by investing selectively.
Diversification: generating an additional return in the medium term by asset diversification, in particular listed equities or unlisted debt and capital assets.

We also offer a varied range of managed solutions and automatic financial options to meet all needs depending on clients’ profiles.

Protection is one of our core businesses

We develop a wide range of proven protection products and services. These meet the needs of individual and business customers in case of death or total and irreversible loss of autonomy.[@total-disability]

Products include: credit protection insurance (business and personal loans, home loans), terms life and Key Person insurance. We also offer extra cover options in the event of total work incapacity resulting from a serious illness, or double guaranteed benefits in case of accidental death.