Insurance

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

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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

Security of fixed premiums and payout

Whole life insurance may allow you to build cash value inside the policy while safeguarding your family, should anything happen to you. A portion of your premium will be applied to the policy's cash value and grow at a minimum rate guaranteed by the issuing insurance company. Whole life is an essential tool for long-term estate planning and supplemental income strategies. The earlier you buy whole life, typically the lower the premium. It's an excellent way to fund your long-term goals.

Single Premium Life Insurance for wealth transfer

You can choose to pay for a life insurance policy with a single premium: this can be an efficient method of transferring your assets to your family or charitable organizations. With one lump sum payment, you will have a paid-up death benefit provided by the issuing insurance company that will allow you to pre-fund specific legacy goals with confidence.

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

Flexible premium payments - Investment performance can create payment flexibility – though poor performance may require additional premiums
Control over investment options, in which you can allocate a portion of your premiums: you can choose from a variety of assets which offer different levels of risk and growth potential
You may be guaranteed a minimum growth rate by the issuing insurance company*
Tax-deferred earnings and tax-free transfers within the separate account
Greater growth (and risk) potential than whole life insurance. With a variable universal life policy, you assume the entire investment risk

* Some policies offer a fixed account option that pays a guaranteed crediting rate.

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

Flexible protection
You have flexibility to choose the amount of protection best suited to your family.

Flexible premium
You control the amount and frequency of payments and have the option to make additional premium payments, subject to the policy agreement. Of course, depending upon policy performance and factors such as loans and withdrawals, the policy may require a minimum premium(s) to keep it in force.

Earnings potential
The issuing insurance company may guarantee a minimum growth rate on the cash value of the policy in some cases.

The flexible nature of universal life insurance means premiums can be altered over time, so you may be able to continue coverage even if you need to reduce your payments.

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

Insurance Disclosure Brochure Download link

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 firms for free by visiting FINRA's BrokerCheck website

1 Financial professional refers to Financial Consultants (FCs), Investment Counselors (ICs), and High Net Worth Relationship Managers (HNWRMs). FCs, ICs, and HNWRMs focus on a full suite of High Net Worth, Jade, Premier and Advance products and services. All offer bank products through HSBC Bank (USA) N.A., investments and certain insurance products, including annuities, are offered through HSBC Securities (USA) Inc. and traditional insurance products are offered 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.

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