*If you qualify.
This website is owned and operated by Spectrum Direct Insurance Services, Inc. ("Spectrum Direct") in accordance with its privacy policy and is not affiliated with HSBC Insurance. Seymour Alter is the licensed agent for Spectrum Direct and is not affiliated with HSBC Insurance. The term life insurance is issued by Household Life Insurance Company, home office, Detroit, MI, administrative office, Bridgewater NJ, or First Central National Life Insurance Company of New York, home office, New York, NY, administrative office, Bridgewater, NJ, which are subsidiaries of HSBC North America Holdings, Inc. The product is an obligation of Household Life Insurance Company or First Central National Life Insurance Company of New York, only in New York. Life insurance policies contain exclusions and limitations; benefits may vary due to misstatement of age or sex. This product may not be available in all states. Maximum coverage amount may vary by state. The policy is issued as Form Number HLI-8-132 for Household Life Insurance Company and Form Number CNY-8-815 for First Central National Life Insurance Company of New York, or variation of such. Companies are rated as "A+ Superior" (second highest rating of 16) by A.M. Best Company. The HSBC Insurance logo is a trademark of HSBC Holdings plc and is used under license. eLifePolicy and eLifePolicy.com are registered trademarks of Spectrum Direct. Policies issued in the following states are currently limited to $250,000: FL, IL, MD, MS, MT, NV, PA and WA.