Life Insurance UK | Life Protection

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Life Insurance

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.

To apply for HSBC Life Insurance you must be a UK resident (not including the Channel Islands or the Isle of Man). To apply online, you'll need to be registered for Online Banking.

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.

Existing customers

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

Find out more about existing HSBC Life Insurance customers

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

Get a quick quote about HSBC 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

Find out more about HSBC Critical Illness Cover

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

Find out more about HSBC Income Protection

Coronavirus Frequently Asked Questions

Services in our branches are currently limited because of the coronavirus outbreak. This means we’re unable to set up appointments or provide you with any advice on these products in our branches at this moment.

However, you can still apply for cover in the following ways:

HSBC Life Cover

You can apply online for single or joint Life Cover.

If you’re taking out a new HSBC mortgage, you can also apply over the phone for single or joint Life Cover. Call us on 0800 169 6333.

Lines open Monday to Saturday 08:00 to 20:00, Sunday 09:00 to 18:00. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.

HSBC Critical Illness

If you’re taking out a new HSBC mortgage, you can apply over the phone for single or joint Critical Illness Cover. Call us on 0800 169 6333.

Lines open Monday to Saturday 08:00 to 20:00, Sunday 09:00 to 18:00. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.

HSBC Income Cover

Income Cover is temporarily unavailable as this can only be purchased through one of our branches.

Protection advice

If you’d like to discuss ways to protect what’s important to you, you can talk to one of our financial advisers from your home. They’ll spend time getting to know your situation then recommend a competitive policy that's right for you from our hand-picked list of providers.

To find out more about this service, including the eligibility criteria, and to book an appointment, visit our protection advice page.

If we need a doctor’s report or further medical examination, your application may be delayed. If this happens, we’ll keep you informed throughout the process.

Life Insurance

What is life insurance?

Are you eligible?

Existing customers

Treat yourself

Life Cover

Critical Illness Cover

Income Protection

Coronavirus Frequently Asked Questions

Can I still take out HSBC Life Cover, Critical Illness Cover and Income Cover?

If I apply for Life or Critical Illness Cover, will my application be delayed?

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