Let’s talk about ways to protect what’s important to you
What are the most important things in life? Many people would place family at the top of the list. We all know we need a financial plan to protect those we love. But how much cover is enough? And which policy to choose?
To help you decide, you can talk to one of our financial advisers. They’ll spend time getting to know your situation. Then they'll recommend a policy that's right for you - from our hand-picked list of providers.
Are you eligible?
You can receive our protection advice if:
- You have £100,000 or more in savings and investments or you have an individual annual income of at least £100,000
- You're at least 18 years old
- You're a UK resident
Flexible protection advice that fits around you
Tailored to your needs
- Find out what’s the right level of protection for your family’s needs
- Discover which of our carefully selected policies suits you best
- Call us today for a no-strings chat – we’ll explain everything upfront so you know what to expect
- Get personalised advice in the way that suits you – in branch or via video call.
What type of protection are you looking for?
Our specialist advisers can provide personalised recommendations on 3 different types of cover:
Life cover
Provides a lump sum or monthly income for your family if you were to die or become terminally ill.
Critical illness cover
Provides a lump sum for you if you were to be diagnosed with a number of pre-specified major critical illness conditions and surgical procedures. It may also be combined with a life cover policy (known as ’Accelerated Critical Illness Cover’).
Income protection
Provides a monthly income for you if you were to become unable to work due to sickness or injury.
Naturally, some terms, conditions and exclusions will apply. Please ask your adviser for more details.
Which protection policies do we recommend?
The plans we recommend are sourced from a carefully-selected panel of providers. This means we can advise you on a much wider range of policies than those that are available to buy directly from our website.
Your adviser will discuss with you the types of policies we can recommend before you begin.
How does it work?
Our qualified advisers make personalised recommendations. We typically provide protection advice over 3 meetings – although this can be adapted to suit you.
- Your initial call
The first call will be a friendly, no-strings chat – we’ll simply ask you a few questions to understand if you might benefit from our protection advice. We’ll also outline the process and answer any questions you may have. - Your protection review
Next, we'll arrange a follow-up meeting with a qualified financial adviser who will explore your needs in more detail. If your partner would like to attend, we can discuss their needs at the same time if you wish. It’s not a hard sell, it’s about helping you to put a plan in place. We'll ask about your finances and your dependents. We’ll also explore the various commitments you’d need to cover if something were to happen. - Our recommendations
If you’re happy to proceed, your adviser will then prepare your personalised report and arrange a final meeting to talk you through the level of protection they recommend and why.
What does it cost?
You won’t pay a penny for receiving our protection advice – and you’re under no obligation to follow our recommendations.
If you decide to take out the recommended policy, you’ll pay for the cost of the policy and we’ll receive a commission from the protection provider. You’ll find details about this in the policy’s key features document.
Ready to set up a conversation?
Leave your details to arrange a call back with our specialist Wealth team
Mortgage protection advice
If you're an HSBC mortgage customer and need protection advice to cover your mortgage only, you can talk to a Mortgage Adviser. Give us a call to book your appointment on 0800 169 6333. Premier customers should contact your Relationship Manager directly.
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