Selecting HSBC Insurance Agency (USA) Inc. for your full-service insurance needs can provide you and your financial strategy with a host of benefits. Our personalized support from a licensed, qualified specialist provides products that can help you meet your goals and needs. Your HSBC financial professional1 can help you create an insurance package that is part of a comprehensive financial strategy.
Our holistic approach
You can rely on the specialists at HSBC Insurance Agency (USA) Inc. Our goal is to simplify the process of choosing the right insurance. As your life evolves, so will your insurance needs. We consult with you to make sure we understand all of your needs.
We will work with you to identify coverage that is appropriate for each phase of your life with our holistic life-cycle planning. Our philosophy is to help you:
- Think long-term. No single insurance policy can meet all of your protection needs throughout the different phases of your life. In one phase, you may want maximum coverage at affordable cost. Consider how your needs will change over time and how your insurance can work as part of a larger financial strategy
- Determine your risk profile. If permanent life insurance products such as universal or variable life would support your financial goals, consider the types of investments that suit your ability to assume risk
- Outline your objectives. What do you want your insurance to help protect? Do your goals include protection of your assets, tax advantages, estate preservation, or education planning? How does insurance fit within your overall wealth management strategy and financial portfolio?
- Select from top-quality products. We continually evaluate a variety of insurance options from leading carriers who have received top-tier ratings. Our broad access and well-established relationships enable us to offer a wide range of quality coverage choices and cost-effective solutions. We'll help you decide how much and what kind of coverage aligns to your needs.
How to get started: A conversation with one of our HSBC financial professionals can help you decide what coverage is best to help meet your individual needs.
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.
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.