HSBC Family Protector

Benefit term: To age 80Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Recorded features: Death benefit is subject to the policy terms.Public source · Checked: 13 Oct 2026

Premiums are level for the first 10 years, then adjusted at each 10th policy anniversary using the prevailing rate table and age.Public source · Checked: 13 Oct 2026

The document states a 21-day cooling-off period; cancellation and refund conditions apply.Public source · Checked: 13 Oct 2026

Insurer claims guide · Life / death

Life / death — Steps: Download the relevant forms, complete and attach evidence, submit, then follow SMS and specialist updates.Public source · Checked: 13 Oct 2026

Life / death — Submission channels: Online upload, HSBC branch or mail to 18/F, Tower 1, HSBC Centre, 1 Sham Mong Road, Kowloon.Public source · Checked: 13 Oct 2026

Life / death — Assessment / payment timing: Once approved, payment is issued by the chosen method within an average of 2 business days; this is not an approval target.Public source · Checked: 13 Oct 2026

Life / death — Required documents: Use the HSBC Life death claim form and its supporting-document instructions.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026