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.

 

Term life
Protect your family and your wealth from financial setbacks. With Term Life insurance, you can be assured knowing that your term life insurance rate will never change, the coverage cannot be decreased and the policy cannot be canceled due to a change in health during the period of time you select.
  • Term coverage
  • Fixed payout
  • Premiums go toward cost of policy
  • Monthly, quarterly, semi-annual or annual premium payments
Whole life
As part of our Permanent life insurance portfolio, whole life insurance provides the security of coverage throughout your lifetime, and a death benefit provided by the issuing insurance company for your heirs.
  • Lifetime coverage
  • Fixed payout
  • Premiums go toward cost of policy and building the policy's cash value
  • Monthly, quarterly, semi-annual or annual premium payments

Our trained financial professionals can conduct a thorough needs analysis to help you determine what type of life insurance is right for you. 

 

Call us at 866.586.4722

Variable Universal life
Variable universal life insurance provides permanent protection with the potential to build cash value through scheduled premium payments, but offers a variety of asset allocation options.
  • Lifetime coverage
  • Variable payout
  • Premiums go toward cost of policy and investment account that you select
  • Monthly, quarterly, semi-annual or annual premium payments

Our trained financial professionals can conduct a thorough needs analysis to help you determine what type of life insurance is right for you. 

 

Call us at 866.586.4722

Universal life
When you want to accumulate cash inside the policy and plan for your wealth transfer, universal life insurance can provide options to suit your changing financial situation.
  • Lifetime coverage
  • Variable payout
  • Premiums go toward cost of policy and building the policy's cash value
  • Monthly, quarterly, semi-annual or annual premium payments

Our trained financial professionals can conduct a thorough needs analysis to help you determine what type of life insurance is right for you. 

 

Call us at 866.586.4722

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 other types of insurance are provided by unaffiliated third parties and offered through HSBC Insurance Agency (USA) Inc., 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 Financial professional refers to Premier Wealth Advisors (PWA), and Premier Relationship Advisors (PRA). PWA/PRAs focus on a full suite of Premier and Advance products and services. Both offer bank products through HSBC Bank USA, N.A., investments and certain insurance products, including annuities, through HSBC Securities (USA) Inc. and traditional 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.