START YOUR FREE QUOTE

    • All fields are required.
    • Gender:
    •  *
    • Date of Birth:
    •      *
  • Coverage Amount:
  •  *
    • In the past 12 months have you used tobacco or nicotine in any form?
    •  *
  • Your Rate Class:
  •    *
    • State:
    •  *


Three easy steps HSBC logo

With millions of customers around the world and more than 140 years of experience, HSBC companies offer much-needed financial stability to their customers. HSBC’s U.S. life insurers have an A “Excellent” rating from A.M. Best Company.

Before you begin, you may want to gather the following information to help complete your application:

  • Your social security number
  • Driver’s license number
  • Credit card or checking/savings account information
  • Name, address, and social security number of your beneficiary(s)
  • Names any of prescriptions you may be taking

The use of “you” throughout the application indicates the “proposed insured”.
The information you provide will be used to evaluate your application for life insurance.
Please be sure your responses are both accurate and truthful

The cost of your term life insurance premium is based on a precise evaluation of your personal risk using a number of factors, including:

  • Your general health status
  • If biological parents and siblings are alive
  • Participation in dangerous activities
  • Use of tobacco products
  • Approximate height and weight

You can get a free quote now by estimating your rate class, which determines the cost of your premium. Review the descriptions below to classify your risk, keeping in mind the more realistic you are, the more likely your quote will be accurate.

Examples of Applicants Likely to Qualify for Different Rate Classes

    Preferred Plus

  • No tobacco used in past 12 months
  • Weight is healthy for height
  • No biological parent or sibling has died from heart attack, stroke, or cancer while young or middle aged
  • No significant health issues within past 10 years

    Preferred

  • Weight is reasonably healthy for height
  • Used tobacco in past 12 months
  • No significant health issues within past 10 years

    Select

  • Weight is not in proportion to height or
  • No more than one moderate medical issue (for example, surgically corrected aneurysm, melanoma 5 or more years ago without recurrence of any cancer, heart attack) or
  • Engaged in high-risk activity within past 24 months in a dangerous avocation (for example, hang gliding or motorized vehicle racing)

Please note your actual rate will be based on the answers you provide in the application, as well as the results of our underwriting review, and may differ from your free quote.

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