insurance

We know life insurance isn't the easiest of things to think about. But since our life insurance has been designed to give you complete peace of mind, we've made it as simple as possible to understand as well. Take as much time as you need to read through the details, and if you've any questions, don't hesitate to call us and we'll talk you through what's involved.

Here's what you need to know to start with:

We offer two types of life cover, both of which provide a lump sum in the event of your death during the period of cover (the term). You can choose how much cover you want and for how long. Your monthly premiums remain fixed throughout the term of the policy. The two available types of cover are:

• Life cover - where the amount of cover remains level throughout the term
  
  Mortgage Life cover - where the amount of cover decreases over the term at a similar rate to a typical capital repayment mortgage
• our online calculator helps you easily work out what level of cover you might need
• cover provides a lump sum payment if you die before the expiry of the policy, or if you are diagnosed with a terminal illness (see policy summary for details)
• payments are fixed monthly amounts
• you must be resident in the UK and aged between 18 and 64 for Mortgage Life cover or 18 and 67 for Life cover (don't worry - we'll explain this!)
• you can get an immediate decision online in many cases and once you apply you're immediately covered by our temporary Accidental Death Benefit
• to qualify for the cashback you must be a first direct 1st Account customer.

*You must apply for a first direct Life Insurance policy between 2 April and 31 May 2008 and go on to purchase the policy. The cashback amount will be credited to your first direct 1st Account within eight weeks of the policy commencing providing the policy has not been cancelled within that time. Premiums are dependent on individual circumstances and underwriting criteria will apply. first direct Life Insurance is underwritten by HSBC Life (UK) Limited.

you must read the policy document before obtaining a quote