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Insurance Products to Enhance Your Financial Plan

Over your lifetime, you will reach many milestones. As your life unfolds and you attain more goals, insurance can protect what you have earned and help ensure that you and your family are provided for, should the unexpected occur.

Choosing the right insurance doesn't have to be complicated. To help identify coverage that is appropriate for your current life stage, experienced professionals from HSBC Insurance Agency (USA) Inc. can take a personalized approach to understanding your individual needs. And you can be assured that we work with top-rated carriers to deliver security and value with all of our insurance options.

Your Needs Insurance Solutions Key Benefits How to contact HSBC regarding your insurance needs
Asset Accumulation
  • Contribute to retirement funding
  • Grow assets while deferring taxes
Asset Protection
  • Provide protection for your family
  • Preserve your lifestyle
  • Replace a portion of lost income
  • Premier clients:
    Speak with your Premier Relationship Manager
    or call 888.662.4722.
Asset Distribution
  • Options that may offer lifetime income
  • Contribute to a charity or fund a legacy
  • Borrow against policy's cash value

 

Asset Transfer
  • Leverage tax-efficiencies in planning your estate transfer to future generations

 


Investments and Annuity products are provided by Registered Representatives and Insurance Agents of HSBC Securities (USA) Inc., member NYSE/ FINRA/ SIPC, a registered Futures Commission Merchant, a wholly-owned subsidiary of HSBC Markets (USA) Inc. and an indirectly wholly-owned subsidiary of HSBC Holdings plc. In California, HSBC Securities (USA) Inc., conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. Insurance products are offered through Insurance Agents of HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A., and an indirectly wholly-owned subsidiary of HSBC Holdings plc. Products and services may vary by state and are not available in all states. California license #: OD36843.

Investments, Annuity and Insurance Products:
ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE

All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor.

1. Investments in variable products will fluctuate and values upon redemption may be less than the original amount invested. Variable annuities are designed to be long-term investments and frequently involve substantial charges such as administrative fees, annual contract fees, mortality & risk expense charges and surrender charges. All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor. When investing in tax-deferred annuities additional risks apply and may not be suitable for all investors. Early withdrawals may impact annuity cash values and death benefits. Early surrender charges may also apply. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. If you are investing in a variable annuity through a tax-advantaged retirement plan such as an IRA, you will receive no additional tax advantage from a variable annuity. Under these circumstances, you should only consider buying a variable annuity if it makes sense because of the annuity's other features, such as lifetime income payments and death benefit protection. Features that provide lifetime income are optional and can be purchased at an additional cost. For more complete information, contact your Financial Professional to obtain a current prospectus. Please read the prospectus carefully before investing or sending money.

 

Annuities

An annuity - designed to help meet a number of long-range financial goals - is a contract between an insured party (usaually an individual) and an insurance company. In exchange for paying premiums into an annuity, the issuing company agrees to provide periodic payments to the person or persons named in the annuity contract. Different types of annuities can offer various purchase and payment options.

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Whole Life Insurance

Whole life insurance provides protection for the entire life of the insured and provides a set level of security for your loved ones. Plus you can borrow against the policy's cash value, as it accumulates over time, to help cover unforeseen expenses. Whole life insurance also offers level premiums throughout the life of the policy.

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Universal Life Insurance

Universal life insurance provides protection for the entire life of the insured and builds cash value over time while offering flexible premiums and a flexible face amount. This type of insurance may be ideal for retirement planning or any number of other long-term goals.

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Long Term Care Insurance

Long term care insurance can pay for a wide range of health and social services for those with chronic conditions. Coverage often includes nursing care, home-based care and respite care.

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Disability Income Insurance

Disability income insurance protects against loss of income in case of disability or extended illness. This type of insurance can be very important for the sole or primary wage earner in a household.

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Variable Life Insurance

Variable life insurance provides protection for the entire life of the insured with a guaranteed minimum death benefit. Assets of the policy can be invested at the discretion of the policy owner. The market value of these underlying investments will impact the cash value of the policy.

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Single Premium Whole Life Insurance

Whole life insurance with a single, lump-sum premium paid at the initiation of the policy.

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Single Premium Variable Life Insurance

Variable life insurance with a single, lump-sum premium paid at the initiation of the policy.

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Term Life Insurance

Term life insurance provides protection for only a specified period of time - usually 10, 20 or 30 years. There is no cash value associated with term life coverage, which is why premiums are often lower than for other types of insurance. Some term life policies may offer greater flexibility such as terms for return of premium and the potential to convert to whole life Insurance.

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