Unexpected long-term illness or disability could seriously damage your financial well-being; however, with some planning now, you can minimize undue stress on your family and the loss of a lifetime of savings. Get the protection you need to maintain your quality of life as you get older.
Protect your assets by planning ahead
Help maintain all you've worked to achieve with long-term care coverage. About 70 percent of Americans who reach age 65 will need some long-term care during their remaining years1
Fortunately, a life insurance policy that offers long-term care benefits may help you:
- Avoid relying on help exclusively from family caregivers if Medicare does not pay for the needed care
- Stay in better control of your finances and protect more of your assets
- Receive compensation for in-home care if recommended by your physician
- Choose a nursing home or other facility you prefer
Quality care wherever you choose
Long-term care2 coverage may provide coverage for a visiting or live-in caregiver, housekeeper, therapist or private duty nurse up to 7 days a week, 24 hours a day.3 With this coverage you can control the quality of your care and choose where to receive it – even if your needs increase. The following services may be covered:
- Assisted living services
- Adult daycare
- Respite care
- Hospice care
- Nursing home costs
- Alzheimer's facilities
The HSBC Approach
We spend the time to get to know you in order to understand what is most important to you and your family. Our Financial Professionals4 will review your goals to help prioritize long-term care solutions.
Begin to experience the benefits of working with us by scheduling a review with an HSBC Financial Professional4.
Connect with a Financial Professional4
Call 800.662.3343 to speak with a Financial Professional4 to learn more.
Monday through Friday 8am - 6pm ET
1 “What is the Lifetime Risk of Needing and Receiving Long-Term Services and Supports?”
APSE – Office of the Assistant Secretary for Planning and Evaluation, April 2019
2 All long term care coverage is sold through riders attached to permanent life insurance products.
3 Up to the policy benefit maximum.
4 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.
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.
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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.