HSBC Life Insurance

HSBC Life Insurance is part of HSBC Group, a banking and financial services company based in the United Kingdom. The company's life insurance products are underwritten by HSBC Group and have received a grade of "A Excellent" from industry analyst A.M. Best. The company is also a member of the Better Business Bureau.

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HSBC Life Insurance Plans

HSBC offers both term life insurance and permanent life insurance. Their term life plan is available with up to $500,000 worth of coverage and in 10-, 15- 20- or 30-year terms. Once the term expires, the coverage ends unless you choose to continue it. If you choose to keep your coverage, you can do so without reapplying, but the premium will go up each year. Also, a term life plan does not gain cash value over time. For term life, HSBC uses an online application process it calls "Smart Technology," with no health exam needed.

HSBC also offers permanent life coverage. As long as you pay your premiums on time, permanent life insurance never expires. It also builds up a cash value over time, so it provides an extra source of funding for emergencies. However, the premiums are usually higher than they are for term life insurance.

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