HSBC Term Product

• Spend minutes, not weeks, applying for a term life insurance policy and get covered in less than a day.*
• Answer a few simple, but precise, questions instead of filling out mounds of paperwork and taking medical exams

• Use our interactive tools and resources to determine the right term and amount
• Rely on our specialists on demand if you want or need additional information about the pros and cons of term insurance and how much coverage you need
• Relax knowing that your HSBC Term Life Insurance policy comes with a 30-day money back guarantee

• Access your policy online through a secure, personalized account
• Relax knowing that your HSBC Term Life Insurance policy has built-in protections:
• No cancellation due to changes in health
• No premium increase over the course of your initial term
• No decrease in life coverage over the course of your term
• If you want to extend the term, you can continue your coverage for 1 year at a time, without reapplying, for an annually increasing premium
• Flexible payment options
• Optional riders:
• Dependent Child Rider

  Covers all of your eligible dependent children up to age 23.

  Learn more about the Dependent Child RiderHide Details about the Dependent Child Rider

  The rider will cover any dependent child who is an unmarried natural, or legally adopted child of yours (or, as applicable, your partner or spouse). The child must be at least 15 days old but not more than 23 years old and eligible to be declared as a dependent on your most recent annual Federal Tax Return. If any covered child dies, a benefit of $10,000 will be paid. Upon death of a child who is between the ages of 15 days and 6 months, half of the covered benefit will be paid.
  
  For guidance on whether a dependent child can be declared on your federal tax return, you can consult an accountant or financial advisor, or refer to Publication 501, Exemptions, Standard Deduction, and Filing Information, which is located on the IRS website at www.irs.gov.

• Waiver of Premium Rider

  Waives your premium during Total Disability, eligibility requirements apply.

  Learn more about Waiver of Premium riderHide Details about Waiver of Premium rider

  If you become disabled, and as long as you are disabled for a minimum of 6 consecutive months, your premium will be waived for as long as you are disabled. Whenever you return to work you pick up your premium payment again and owe nothing for the months that you did not pay the premiums. The policy would just go on as if you never missed a payment. You are eligible if you are between 18-59 and this rider will only be offered up front in conjunction with the sale of the Term Life Policy. This rider terminates at age 65 unless you are already disabled, upon which coverage would terminate at the end of disability, death, or termination of the policy for any reason at age 95 (age 80 in NY).

• Accidental Death Benefit Rider

  The coverage amount of your base policy will double in the event of accidental death.
  

  Learn more about Accidental Death Benefit riderHide Details about Accidental Death Benefit rider

  The Accidental Death Benefit Rider doubles your term life benefit in the event of an accidental death. You are eligible for this rider if you are between 18-59 and this rider will only be offered with the sale of the Term Life Policy. This rider terminates at age 70.

HSBC Term Life Insurance:
uncomplicated coverage for what's really important in life.