Protect what really matters
Cover up to £2 million payable on death or terminal illness diagnosis
Choose between level and decreasing cover
Get free Accidental Death cover until your policy start date up to £250,000
If protecting an HSBC mortgage, get free Interim Life Cover until your policy start date
Joint Life Cover available in branch when protecting an HSBC mortgage
Are you a Premier customer?
Our dedicated Premier Managers can also discuss your protection only needs with you.
Always remember to check the policy documents for full details (terms, conditions, limitations and exclusions apply)
What is Life Cover?
We're here to give your loved ones the financial support they may need if the unexpected happens. The death of a partner or parent inevitably has an emotional impact, but it can also lead to financial hardship, particularly where the main breadwinner is no longer around to support the family.
HSBC Life Cover offers financial peace of mind with a tax-free lump sum payable on death, or diagnosis of a terminal illness. Accidental Death cover is also included.
Our Life Cover can help to provide financial security. A lump sum could help to pay off your mortgage or other borrowing, pay for further education or simply provide an income for your family to help with day-to-day living.
Joint Life Cover is available in branch when you are looking to protect an HSBC mortgage. Joint policies pay out if one of the policyholders dies during the length of the policy, after which the policy ends.
If you're not sure which products are right for you, you can contact your local branch and a member of our team will be happy to discuss the options available with you.
Things you should know
As with all insurance policies, terms & conditions, exclusions and limitations will apply.
Terminal Illness benefit is payable on diagnosis of a terminal illness expected to lead to death within 24 months or the remaining term of the policy, whichever is later.
For Life Cover we will not cover you for suicide (within the first 12 months of the policy) or if you die due to a pre-existing condition that you have not disclosed to us.
For full details on significant and unusual limitations and exclusions, please read the Life Cover policy document and summary of cover (PDF).
Policy benefits are currently paid tax-free, but may give rise to an inheritance tax liability.
Life Insurance policies have no cash-in value.
Find the right cover to suit your needs
Our calculator will give you an idea of how much you may need to protect your loved ones when you're gone. Just tell us what you want to protect and we'll work out the rest.
How to apply
Services in our branches are currently limited because of the coronavirus outbreak. Unfortunately we are unable to offer new products or set up appointments at the moment.
We’re also receiving far more calls than usual, so our wait times are longer. Please only call us if it’s urgent, so we can help those most in need.
Are you eligible?Expanded press enter to collapse Collapsed press enter to expand
Get a quote and apply online.
You need to be an HSBC customer and registered for online banking.
We only offer single Life Cover online right now. For joint applications, you're welcome to apply in branch if you're looking to cover an HSBC mortgage.
If you've already started an application, you can continue where you left off.
Over the phone
If you'd like protection advice, you can arrange a phone meeting to discuss your needs on:
We’re here Monday to Friday 9am to 6pm, apart from public holidays. Fees or charges may apply.
If you’re looking to protect a mortgage and would like to come in and see us in branch, book your appointment on:
We’re here Monday to Friday 9am to 6pm and 9:30am to 7pm on Saturdays, apart from public holidays.
New to HSBC?
To join us you need to open a bank account with us first. Apply online now in minutes.
You might also be interested in
Provides a lump sum if you are diagnosed with a specified critical illness or medical condition.