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Guaranteed universal life insurance

The flexibility to choose the amount of protection best suited to your family.

What is guaranteed universal life insurance?

Universal life insurance provides no-lapse protection for the entire life of the insured as long as the scheduled premiums are paid in full and on time. This type of insurance is ideal for long-term goals such as estate tax planning.

Key benefits of guaranteed universal life coverage

Enjoy flexible protection

You have the flexibility to choose the amount of protection best suited to your family.

No-lapse protection

Benefit from no-lapse protection as long as your premiums are paid in full and on time.

Earning potential

The issuing insurance company may guarantee a minimum growth rate on the cash value of the policy in some cases.

Reduce payments to suit your needs

Your premiums can be altered over time, so you may be able to continue coverage even if you need to reduce your payments.

Why get universal life insurance?

  • Plan for your wealth
    Get options to suit your changing financial situation.
  • Variable interest rate
    The cash value of your plan will grow at a variable interest rate. This could yield higher returns than a lower fixed rate.

Helpful resources


If you're considering insurance, it helps to understand the types of policies, what they cover, and the most common terms.


Discover key findings from our report looking into global protection needs. We look at how much family members depend on each other and how financially secure people are feeling.


Find the right approach to protecting your family against risk and discover what to look for in insurance policies.


Enjoy a host of benefits to meet your full-service insurance needs and gain personalized advice to protect your hard-earned assets.

Get started with universal life insurance

Email us

Our licensed insurance specialists can conduct a thorough needs analysis to help you determine what type of life insurance is right for you.

Talk to us

If you’re an HSBC Premier client, log on to online banking to schedule an appointment with your Wealth Relationship Manager, or call:

If you're an HSBC Private Banking client, call:


Monday through Friday, 8:30am to 5pm Eastern Time

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Provides the security of coverage throughout your lifetime and a death benefit for your heirs.
Provides permanent protection with the potential to build cash value through a variety of asset allocation options.
Help protect your family and your wealth from financial setbacks.
Enjoy a host of benefits to meet your full-service insurance needs and gain personalized advice to protect your hard-earned assets.


Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSI is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843.

Investments, Annuity and Insurance Products: Are not a deposit or other obligation of the bank or any of its affiliates; Not FDIC insured or insured by any federal government agency; Not guaranteed by the bank or any of its affiliates; and subject to investment risk, including possible loss of principal invested.

All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor.

Research backgrounds of brokers and firms for free by visiting FINRA's BrokerCheck website.

Environmental, Social & Governance (“ESG”) and Sustainable Investing (“SI”)

HSBC Securities (USA) Inc. (“HSI”) does not provide recommendations or advice on any products based on ESG or SI considerations except in certain discretionary solutions or based on HSBC Group’s* policies. Customers can purchase ESG/SI related products on our platform on a self-directed basis. For our general ESG/SI disclosure, click Disclosures- HSBC. Information about HSBC Group’s approach to Sustainability can be found at Our climate strategy | HSBC Holdings plc.

*HSBC Group refers to HSBC’s global affiliates.