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Whole life insurance

Provides the security of coverage throughout your lifetime and a death benefit for your heirs.

Protect what matters

A whole life insurance policy stays in place for your entire life and provides a set level of security for your loved ones. If needed, you can borrow against the policy's cash value as it accumulates over time.

Key benefits of whole life insurance

Your essential insurance toolkit

Fund your long-term goals, benefit from estate planning and supplemental income strategies.

Transfer wealth to loved ones

You can choose to pay for a life insurance policy with a single premium, which can be an efficient method of transferring your assets to your family or charitable organizations.

Asset protection

Whole life insurance is often exempt from creditors, safeguarding a portion of your wealth from potential legal claims or financial liabilities.

Tax-advantaged benefits

The policy’s cash value grows over time and death benefits are typically tax-free, so you can pass on your wealth to future generations.

Why get whole life insurance?

  • Lifelong coverage
    Provides the security of coverage throughout your lifetime, through age 100 or longer.
  • Cash value account
    Cash value that can be accessed through loans or withdrawals, provides you with a source of liquidity for investments, emergencies or other financial needs.
  • Level premiums
    Once issued, your premiums won't change, so you know how much your payments will be.
  • Protect your assets
    Whole life insurance is often exempt from creditors so you can safeguard a portion of your wealth from potential legal claims or financial liabilities.

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.

Get started with whole 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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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.