Compare life insurance | HSBC

 

Choose the insurance policy that’s right for your life stage

Your insurance needs can change based on your life goals and circumstances. Our experienced financial professionals1 can help you select sound options for every stage of your life.

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Insurance product Length of coverage Benefit type Premiums go toward Premium payments Full details

Term life

Length of coverage
Specified period

Benefit type
Fixed payout

Premiums go toward
Cost of policy only and
does not build cash value

Premium payments
Monthly, quarterly,
semi-annual or annual

 Full details
Brief highlights
Key features

Help protect your family with term life insurance. Proceeds can be used for:

  • Paying off a mortgage
  • Replacing your income during child-rearing years
Key benefits
  • Assured coverage amount
  • Your rates will never change during the specified term
  • Coverage cannot be decreased
  • Policy cannot be cancelled due to a change in health
  • Looking for lower premiums than whole life
Next steps

Apply on your terms. Visit a HSBC branch to explore a wider variety of term life insurance options.

Already an HSBC Premier Client?

Speak with your Premier Relationship Manager or call 866.586.4722.

Existing HSBC customer or new to HSBC?

Call 866.586.4722 or find your nearest HSBC branch.

 

Whole life

Length of coverage
Lifetime

Benefit type
Fixed payout

Premiums go toward
Cost of Policy and building
the Policy's cash value

Premium payments
Monthly, quarterly,
semi-annual or annual

 Full details
Brief highlights
Key features and benefits

You can implement whole life insurance as part of your lifelong financial strategy to protect, acquire and transfer wealth. We can help you select from a range of options designed to help you achieve your goals.

  • Wealth accumulation: Take advantage of the ability to build cash value with whole life insurance.
  • Wealth protection: Cushion the blow of unexpected financial events.
  • Wealth transfer: Your family may benefit from the rapid transfer of insurance funds generally income-tax free and outside of probate.
Whole life insurance offers:
  • Assured coverage amount for the life of the policy
  • The ability to lock in premium rates
  • No policy cancelation due to a change in health
  • Permanent protection for as long as the policy is in force
Next steps
Already an HSBC Premier Client?

Speak with your Premier Relationship Manager or call 866.586.4722.

Existing HSBC customer or new to HSBC?

Call 866.586.4722 or find your nearest HSBC branch.

 

Variable life

Length of coverage
Lifetime

Benefit type
Variable payout

Premiums go toward
Cost of Policy and
Investment Account that you select

Premium payments
Monthly, quarterly,
semi-annual or annual

 Full details
Brief highlights
Consider variable life insurance

Variable life insurance allows you to make progress toward long-term financial goals with policies and investment products designed to suit your needs.

Take advantage of the flexible nature of variable life insurance which provides the ability to:
  • Choose your investment type
  • Allocate your premiums to suit your needs
  • Accrue capital gains and other investment earnings tax deferred as long as the funds remain invested in the policy
Next steps
Already an HSBC Premier Client?

Speak with your Premier Relationship Manager or call 866.586.4722.

Existing HSBC customer or new to HSBC?

Call 866.586.4722 or find your nearest HSBC branch.

 

Universal life

Length of coverage
Lifetime

Benefit type
Variable payout

Premiums go toward
Cost of Policy and
building the Policy's cash value

Premium payments
Monthly, quarterly,
semi-annual or annual

 Full details
Brief highlights
Key features and benefits

Consider including a universal life policy in your financial plans, as universal life insurance premiums can go up or down as your needs change. Plus universal life insurance provides:

  • Lifetime protection
  • Flexible premiums **
  • Flexible coverage amount
  • Minimum growth rate guaranteed by the issuing insurance company with opportunity for additional, non-guaranteed, growth
Next steps
Already an HSBC Premier Client?

Speak with your Premier Relationship Manager or call 866.586.4722.

Existing HSBC customer or new to HSBC?

Call 866.586.4722 or find your nearest HSBC branch.

 
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Investment 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 #: 0E67746. 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, offers Insurance products issued by third-party insurance carriers. Products and services may vary by state and are not available in all states. California license #: 0D36843.


Investment, 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 HSBC Securities financial professional refers to Financial Advisors and Licensed Sales Professionals. Financial Advisors provide a full suite of investment products that are available with HSBC based on individualized customer financial needs and objectives. Licensed Sales Professionals have access to more simplified product sets created to meet customers' key life-cycle needs, e.g., education, retirement, wealth transfers.

** Of course, depending upon policy performance and factors such as loans and withdrawals, the policy may require a minimum premium(s) to keep the policy in force.

Annuities and other investment products

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†† 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