Types of insurance
What is term life insurance?
What is permanent life insurance?
What is whole life insurance?
What is universal life insurance?
What is variable universal life insurance?
What is long term care coverage?
What are policy 'riders'?
Does term life insurance policy have cash value?
Purchasing and premiums
How much life insurance do I need?
Why buy life insurance?
What type of policy should I buy: term or permanent (whole, universal, variable)?
How do I buy life insurance?
What if I already have insurance coverage?
Can I purchase a policy for my children?
How can I save money when buying life insurance?
What factors generally drive insurance calculations?
What should I look for in an insurance company?
Will insurance help my beneficiary pay off my debt?
Do I need to have a medical exam?
Do I need to meet with an agent?
How long does approval take?
How soon does the coverage start?
Do you have some written information you can send me?
After you've purchased insurance
How can I pay my premiums?
Can I increase my insurance coverage?
Can I cancel my policy?
What is the contestable period?
Investment, annuities, and variable life insurance products 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 offered by 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.
Investments, Annuity and Insurance Products:
|ARE NOT A DEPOSIT OR OTHER 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 consultation with your independent tax advisor.
Research backgrounds of brokers and firms for free by visiting FINRA's BrokerCheck website
Environmental, Social and Governance (“ESG”) Customer Disclosure
At this time in the United States, there is no standard definition of, or measurement criteria for, environmental, social and governance (“ESG”) factors or impact. ESG-related measurement criteria is highly subjective and may vary significantly across and within different sectors. There is no guarantee that: (a) the nature of the ESG investment, or the ESG impact or measurement criteria of an investment, will be aligned with any particular investor’s ESG goals; (b) the stated or targeted ESG level will be achieved; or (c) an investment approach that considers ESG factors will produce returns similar to those that don’t, or that they won’t diverge from traditional market benchmarks.
HSBC Securities (USA) Inc. and HSBC Insurance Agency (USA) Inc. (collectively “HSBC”) may rely on metrics or measurement criteria devised and/or reported by third party providers or issuers. HSBC does not always conduct its own specific due diligence in relation to ESG metrics or measurement criteria.
ESG investing is an evolving area and new regulations may come into effect which may affect how an investment is categorized or labeled. An investment that is considered to fulfil ESG criteria today may not meet those criteria at some point in the future.
Please consider the investment’s specific ESG impact measurement criteria in the prospectus or other offering documents prior to investing.
1 Financial professional refers to Financial Consultants (FCs), Investment Counselors (ICs), and High Net Worth Relationship Managers (HNWRMs). All offer bank products through HSBC Bank (USA) N.A, investments, annuities, and variable life insurance products through HSBC Securities (USA) Inc. and traditional insurance products through HSBC Insurance Agency (USA) Inc.