Family and protection benefits from HSBC Premier | HSBC

 

 

HSBC Premier

Integrated family wealth planning and transfer1

Family hanging painting representing wealth planning and transfer

A Premier Relationship Advisor from HSBC Securities (USA) Inc.1 will work with you to create an integrated financial plan that can help you meet your family's goals.

HSBC Premier Relationship Advisors can help create wealth planning strategies for every life stage, from newly married to retirement living. Complete wealth management strategies from building and protection to distribution and transfer are available.

Talk to an HSBC Premier Relationship Advisor

Insurance for your short and long-term financial goals

Insurance can protect what you have earned, increase financial security for you and your family, and help you reach goals. As part of the personalized attention that comes with HSBC Premier, experienced professionals from HSBC Insurance Agency (USA) Inc. can help simplify the process of choosing the right insurance. Our approach is consultative, so we'll work to understand your individual needs and help identify the coverage that is right for you. Depending on your goals, we might recommend solutions including the following:

  • Term Life provides a defined amount of coverage, at a fixed premium, over a specific period of time, and is ideal for periods of increased risk and exposure, as when you are paying a mortgage or for a child's education.
  • Permanent Life Insurance provides a combination of cash value accumulation and tax advantages. Most policies build up a tax-deferred value you can access to cover expenses like college tuition or to generate retirement income.
  • A Single Premium payment option for life insurance can be an efficient method of transferring your assets to your family or charitable organizations. With one lump sum payment, you will have a guaranteed, paid-up death benefit that will allow you to pre-fund specific legacy goals with confidence.
  • If you become disabled and can't work, Disability Insurance can replace lost income and allow you to maintain your lifestyle. Long-Term Care Insurance can help protect your assets while providing ongoing care if you need it.
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A worldwide safety net for you and your family

Woman on mountain top representing global financial safety

Whether you and your family are heading across town or around the world , it's reassuring to know you're not on your own. HSBC Premier offers members of your immediate family benefits even when you are not traveling with them.

Try our Global Safety Net Planner
  • Up to US$2,000 emergency cash.2

  • Worldwide emergency card replacement for you and your family, usually the next day.

  • 24/7 access to the Premier worldwide helpline.

  • Optional travel insurance that covers your family even if they're traveling without you.

Joint banking accounts for your children

Family in yard representing banking options for your children

As your children grow more independent, their personal financial needs grow as well. As a Premier client, you will benefit from services designed specifically for your family.

  • A supplementary credit card, with a pre-set spending limit to be determined by you.
  • A joint HSBC Premier Savings account3 for you and your child to help teach financial responsibility and the importance of planning for the future.
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To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain $100,000 in combined U.S. personal deposit and investment balances. Business owners may use their commercial balances to qualify for personal HSBC Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

1 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.

2 Dependent on your available balance; local country limitations may apply.

3 HSBC Premier Savings is available only to customers who maintain an HSBC Premier checking account in the United States.

HSBC Premier World MasterCard® credit cards are issued by HSBC Bank USA, N.A. or HSBC Bank Nevada N.A., and serviced by its affiliate, HSBC Card Services Inc. HSBC Premier World MasterCard® credit card requires an HSBC Premier relationship and is subject to credit approval.

MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

United States persons (including U.S. citizens and residents) are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts - including, for example, Form TD F 90-22.1 (Report of Foreign Bank and Financial Accounts ("FBAR")). U.S. persons should consult a tax advisor for more information.

Deposit products offered in the U.S. through HSBC Bank USA, N.A. Member FDIC.

†† 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

To qualify for an HSBC Premier relationship, you are required to:

  • Open an HSBC Premier checking account and
  • Maintain $100,000 in combined U.S. personal deposit and investment balances

Clients who maintain the minimum balance avoid a monthly maintenance fee of $50.

Not ready to begin a Premier relationship?

An HSBC Advance checking account may help you get there.

Find out about HSBC checking accounts
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