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Life Cover

Give your loved ones the financial support they may need if the unexpected happens

Protect your loved ones today, so you don't have to worry about tomorrow

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 – or a critical illness if you take out extra cover.

Cover is provided by HSBC Life (UK) Limited. Please check the policy documents for full details as terms, conditions, limitations and exclusions apply.

Use our handy calculator to work out how much cover you need and get a quote.

If you already have Life Cover with us, find out how you can manage your policy or make a claim.

What you'll get

Fixed premiums

Know that your payments will never go up.

Reliable pay outs

HSBC Life paid over 99% of claims in 2021.

Single or joint cover

Choose the type of cover that's right for you.

Why get cover with us

  • Lump sum payout

    You or your family will get a lump sum payable on death or diagnosis of a terminal illness.

  • Quick application

    You could get a Life Cover quote online in minutes.

  • Handy calculator

    Work out how much cover you may need.

  • Critical Illness Cover

    Available as an add on for extra protection for you and your family.

Your options

What's not covered

The Life Cover policy doesn't provide cover:

  • if there are changes to your health, lifestyle or occupation – and you don't tell us about them before the policy starts
  • if you were to take your own life within the first 12 months of the policy
  • for death outside the policy term

For full details of cover, view the policy document.

Get a quote

Who can apply?

You can apply for HSBC life insurance if you're a UK resident (not including the Channel Islands or the Isle of Man).

HSBC Life Cover eligibility:

  • You must be 17 or over and under 70 years of age at the time the policy starts.
  • Cover must cease before your 80th birthday.

Critical Illness Cover eligibility:

  • You must be 17 or over and under 70 years of age at the time the policy starts.
  • Cover must cease before your 75th birthday.

If you need Critical Illness Cover after your 75th birthday, please speak to a protection adviser.

Things to know

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.

Complete a quote

Continue a previous quote you began online.

Other ways to apply

Frequently asked questions

It's easy to answer your query online. Visit our Help page to find out how.