A treat for you and your loved ones
Choose from a family day out, a night away for two or a £75 Argos eGift Card when you buy HSBC Life Cover online.
To qualify for the offer, you must be age 18 or older. Offer T&Cs. HSBC Life Cover is provided by HSBC Life (UK) Limited.
Life Cover can’t save a life, but it can help protect those loved ones who are left behind from unnecessary financial burden.
HSBC Life Cover offers financial peace of mind to your loved ones, paying a lump sum if you were to die or be diagnosed with a terminal illness.
Always remember to check the policy documents for full details as terms, conditions, limitations and exclusions apply. HSBC Life Insurance is provided by HSBC Life (UK) Limited.
Find out more about your policy.
Key benefits
Affordable cover
Cover from as little as £5 a month
Single or joint
Choose the type and level of cover to suit your needs
Find out how much you need
Use our calculator to work out your individual needs
Reliable pay outs
100% claims paid in 2019
Quick application
Get a quote in minutes
Instant protection
You’re immediately covered by our free Accidental Death benefit
Understanding your options
Level or decreasing cover?
With level-term cover, the pay out you receive stays the same throughout the term of the policy. It’s suitable for protecting interest-only mortgages, and also personal loans and debts, university fees for your children, funeral costs and other expenses. Keep in mind the payout does not keep up with inflation.
If you’re looking to protect a capital repayment mortgage, decreasing-term cover could be suitable. Because the insured sum decreases over the term of the policy, this means your monthly payments will be lower than level-term cover. Although the amount you pay will stay the same throughout.
Joint or single cover?
As the name suggests, single cover protects one person. It’s tailored to the insured person's needs and pays out once when they die.
In contrast, joint life cover protects the lives of two people. The same cover amount applies to both of the insured people. And it pays out once when either person dies, at which point the policy ends.
Applying for Life Cover is easy
You’re eligible for Life Cover if you’re:
- an HSBC current account holder (for joint cover, only one person needs to have an HSBC bank account)
- a UK resident (not including the Channel Islands or the Isle of Man)
- over 17 and under 70 years of age
Please note, cover must cease before your 80th birthday
Get a quote in minutes
Use our handy calculator to work out how much cover you need and get a quote. To apply online, you need to be registered for online banking.
Apply in the mobile app
If you're registered for mobile banking, you can get a quote and apply straight from the app.
Frequently Asked Questions
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Select and Cover
Choose your own mix of insurance for a simple monthly premium.
Critical Illness
Provides a lump sum if you are diagnosed with a specified critical illness or medical condition.
Income Cover
Helps to replace an income if you're unable to work due to an accident or injury.
Existing customer
If you have questions about your policy, here’s how to get in touch.