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Life Insurance

Protect the ones you love

If you’re struggling to pay your Life Cover, Critical Illness Cover or Income Cover monthly premiums because of coronavirus, help is available. Please visit our support page to find out more.

About HSBC Life Insurance

HSBC Life Insurance offers you peace of mind, knowing your loved ones are financially protected if the unexpected happens. Find out more on this page about what Life Cover, Critical Illness Cover and Income Cover can 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 23 March 2022.


To qualify, you must be 18 or older and have an HSBC current account. HSBC Life Cover is provided by HSBC Life (UK) Limited. Offer terms and conditions (PDF, 54 KB).

HSBC Life Cover

At HSBC, we're here to give your loved ones the financial support they may need if the unexpected happens.

  • Single or Joint Life Cover available

  • Level or Decreasing Cover

  • Lump sum payable on death or diagnosis of a terminal illness up to £2,000,000

  • Accidental death benefit, free cover up to a maximum of £250,000

Life Cover is underwritten by HSBC Life (UK) Ltd. Get a personalised quotation and apply today.


HSBC Critical Illness Cover

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

  • A Lump sum of up to £1,000,000 on diagnosis paid free of UK income and capital gains taxes

  • Lump sum paid on diagnosis of one of the 35 specified Critical Illnesses or surgical procedures

  • Level or Decreasing Cover

  • Children's cover included

Critical Illness Cover is underwritten by HSBC Life (UK) Ltd. Get a personalised quotation and apply today.


HSBC Income Cover

Our income cover 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.

  • Monthly benefit paid directly to your bank account

  • Choose between benefits that pay while you are unable to work for up to 2 years, or continue to your chosen retirement age

  • Dedicated claims assessor is on hand to offer support

  • Premiums for any HSBC Life and Protection products you hold are waived while you receive Income Cover benefits

Income Cover is underwritten by HSBC Life (UK) Ltd. Get a personalised quotation and apply today.


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. 

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