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.

Learn how life insurance can protect your home and family.
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. Whole life, universal life, term life and health insurance products are provided by unaffiliated third parties and 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.

Research backgrounds of brokers and brokerage firms for free by visiting FINRA's BrokerCheck website

1 HSBC Securities financial professional refers to Premier Wealth Advisors (PWA), Premier Relationship Advisors (PRA) and Financial Advisors (FA). PWA/PRAs primarily focus on a full suite of Premier products and services while FAs primarily focus on a full suite of Advance products and services. Both offer bank products through HSBC Bank (USA) N.A., investment and annuity products through HSBC Securities (USA) Inc. and insurance products through HSBC Insurance Agency (USA) Inc.

** 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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