The cover is payable on death or on an earlier diagnosis of a terminal illness within the chosen term of the cover. Additional features included are: 

• House Purchase Cover for maximum of 90 days, this cover will start from the later of:
• The date of exchange of contracts; or
• The date we accept your client’s application
• Access to added value health benefits [link to page]
• Free Cover – Cover from the date we receive your application, for up to 90 days or until we accept, postpone or decline the application, whichever is earliest. This means that if a valid claim is made during this time period, we’ll pay out the cover requested for up to a maximum of £1m for all applications

• Available on level, decreasing (8%) and increasing (RPI) cover types
• Both single and joint cover options
• Cover can be purchased for those aged 17 – 69, up to a maximum age at expiry of 90
• The maximum sum assured of £1.5m is available to those up to age 30 and £1.1m up to age 45.
• No GP reports, blood tests or financial underwriting is required.
• Guaranteed Insurability Option up to 50% of the sum assured at the policy start date up to a maximum of £150,000
• Option to include Waiver of Premium Benefit once the client qualifies for core Life/Critical Illness/ Life & Critical Illness cover:
• Age at entry: 17 – 69 (consistent with core product criteria)
• Deferred Period: 26 weeks
• Maximum claim expiry age: valid claims can continue until the end of the policy term or aged 71 if earlier
• Claim Qualifying/Assessment Criteria: Assessed at point and throughout the claim against the ability to undertake Own Occupation if employed, or if not, Activities of Daily Living criteria

• HSBC Life Protection Policy Booklet
• HSBC Life Protection Policy Summary
• Life Claims Process Fact Sheet