Compare life insurance | HSBC

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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.

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
 

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
 

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
 

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
 

Investment and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSI is an affiliate of HSBC Bank USA, N.A. Third party whole life, universal life and term life insurance products are offered through Insurance Agents of HSBC Insurance Agency (USA) Inc., which is a wholly-owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843.


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 Premier Wealth Advisors (PWA)/Premier Relationship Advisors (PRA) and Licensed Sales Professionals. PWA/PRA's 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
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