Top of main content

Life Insurance

Protect the ones you love

What is life insurance?

Life insurance is a way of making sure your loved ones are financially protected if the unexpected happens. Here you can find out about the Life Cover, Critical Illness Cover and Income Protection that we offer.

Existing customers

If you need to make a claim, contact our helpline for assistance as soon as you can.

Treat yourself

Choose from a £75 John Lewis eGift Card or a £75 Argos eGift Card when you buy a new HSBC Life Cover policy. Offer ends 4 August 2022.

To qualify, you must be 18 or older and be registered for online banking and/or mobile banking. HSBC Life Cover is provided by HSBC Life (UK) Limited. Offer terms and conditions (PDF, 62 KB)

Life Cover

Make sure your loved ones receive financial support if something were to happen to you.

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

  • Fixed premiums that never go up

  • Choose from single or joint Life Cover

  • Choose from level or decreasing cover

  • Critical Illness Cover available as an optional add-on when you apply online for Life Cover

Critical Illness Cover

Critical Illness Cover can offer you and your loved ones financial support if you unexpectedly fall ill.

  • Receive a lump sum on diagnosis of a specified critical illness or surgical procedure, including cancer, heart attack and stroke

  • Lump sum paid free of UK income and capital gains taxes

  • Available as an optional add-on when you apply online for Life Cover

  • Standalone Critical Illness policy without life cover available through our advisers

Income Protection

Income Protection pays a monthly tax-free benefit to help replace your loss of earnings if you're unable to work due to an accident or injury.

  • Get a tax-free monthly benefit paid directly to your bank account

  • Choose how soon you'd want monthly pay outs to start and how long the policy needs to run

  • Dedicated claims assessor on hand to offer support

  • Fixed monthly payments throughout your policy, unless you take an increasing cover policy through one of our advisers

Coronavirus Frequently Asked Questions

You might also be interested in


Find out when you may, and may not, need life insurance to help you decide if it’s right for you.


Find out how much life cover you may need based on your circumstances. 


Discover the pros and cons of single versus joint life insurance to help you decide. 

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