OurCommunityPower.org > Insurance Forum | Debt Forum | Mortgage Forum | Credit Forum
Insurance Community AmPmInsure Referral Contest
 
Welcome! It's a pleasure to have you in our Insurance Community. As a community we have been trying to provide you with all the information. I am the Insurance Assistant. If you do not get the required information on this page, use me so that I can help you reach the right page.
Let me help you out: 

Insurance community Welcome to AmpmInsure Community Discussions. We are sharing our knowledge and experience to learn more about Insurance together. Please navigate through our discussion categories to explore more. If you are not a member yet, please signup with the community for better experience (If you are a member login now.). As a community we are also working hard towards earning more money together. Know more

Life Insurance with No Medical exams
     
Now consumers may qualify online for up to $250,000 of Term life insurance with No medical exams required.

Coverage may be available for 10, 15, 20 or 30 years level term periods. There's no physical exam, no blood test, and no urine tests.

Learn more about term life insurance with no exams required.



Added on: Thu Feb 28, 2008 4:44 pm by : Hadley
fireyone
Senior member

fireyone's Home Page



4.43 Dollars($)


     
IS THIS FOR REAL? yOU HAVE TO BE SO CAREFUL THESE DAYS WITH SOOO MANY SCAMS OUT THERE. i HAVE GOOD LIFE INSURANCE, AS DOES MY HUSBAND BUT JUST LOOKING OUT FOR THE NEXT GUY.



     
Quote:
HSBC Life Insurance is an Individual Life insurance policy which guarantees you that in the event of unforeseen circumstances, the financial well-being and future of your family is ensured.

Features
Fast and easy to contract.
Affordable prices.
Covers death from any cause.
You choose the Insured Amount, in pesos or dollars.
Insured Amounts from 250,000 up to 1,000,000 pesos.
This is valid for 5 years during which time you will pay the same premiums, with no increases. On expiration, the policy will be renewed automatically, with no further formalities necessary.
Charged automatically to your HSBC account or credit card.
You will also have access to the attention and advice of HSBC Seguros-trained staff at any of our 1300 branches throughout the country.


Just a little confused here. It appears that these life insurance policies are issued through HSBC Life Insurance, which is a part of HSBC Bank.

Seems like these policies may be 5 year renewable term policies.
I would be very careful.




     
HSBC is one of the largest financial institutions in the entire world.

This is by no means a scam. HSBC is rated "A+" Superior by A.M. Best for financial strength.




     
I just wanted to show the remarks stated by the source I use to offer HSBC to make it clear as to how the rates do not increase during the term of the policy.

"All term insurance rates do not increase over the life of the coverage. that is why they call it term ins. so hsbc rates do not change for however long someone has the policy. if they outlive the policy then the rates would increase. rates increase if you do not get coverage. so I could by HSBC 20 year term policy and my rate would be 40 per month maybe. if I wait and buy next year it might be 45. but it would be that amount for 20 years."

I hope this clears up any confusion about rates remaining level for the term of the policy.



fireyone
Senior member

fireyone's Home Page



4.43 Dollars($)


     
No offense meant. We kind of try to cover each others backs here.



     
No offense taken. I completely agree with you about covering each others back. And making sure the information is clear, understandable, and helpful.

I would however recommend all who get quotes to print out a copy and to call the HSBC phone number provided on the web site for answers to any questions to make sure you completely understand the quotes and plans offered.



sdchargersfan
Senior member
sdchargersfan
sdchargersfan's Home Page



5.21 Dollars($)


     
I have an HSBC savings account..not a credit card, with them. I AM curious....does it matter HOW you are 'associated', with HSBC, to get Life Insurance, through them? Does anyone HAVE Insurance through them?



     
It doesn't matter how you are associated with them. Anyone who is a U.S. citizen may apply online for term life insurance coverage from HSBC.


fireyone
Senior member

fireyone's Home Page



4.43 Dollars($)


     
Thanks for the info. Didn't mean to sound so Gruff earlier.


sdchargersfan
Senior member
sdchargersfan
sdchargersfan's Home Page



5.21 Dollars($)


     
Ok...thanks for the response. I know there alot of Insurance Co. that say, " you don't need an medical exam." What if you have a pre-existing condition and you don't let the Co. know this? Can you still be covered? If something happens to you, would your Beneficiary/POA STILL get this money?


fireyone
Senior member

fireyone's Home Page



4.43 Dollars($)


     
Excellent question. I know when my husband and I filled out insurance forms at the bank and others through his work they did in fact asks these questions. It makes you wonder how these companies can afford to make offers like that. People who were really ill could bankrupt them especially if they had alot of these clients.



Page 1 of 1

 
 
Users Online
Users Online
Leader Board
Highest PointsLori
2tcope
3Jeremy Holter
Ask a question

Members
       Login
       Free SignUp
Resource Desk
   Insurance Articles
       Insurance Terms
       Auto Insurance
       US Auto Insurance Laws
       150+ Types of Insurance
       Insurance Calculators
       Discussion Archive
       Members Tracker

In Discussion

       Internet marketin...
       CONSPIRACY agains...
       hello
       Hi, Only one week...
       If my insurance c...
       Looking for what ...
       mobile home owner...
       indeminty ins
       Co-insurance and ...
       How does HSA acco...

Blogged

       Missouri Health Insu...
       Does Ohio Require Au...
       Texas Auto Insurance...
       Affordable Healthcar...
       Health Insurance Age...
       Using SEO to Promote...
       Sicko
       Ways to pay for Insu...
       Idea for out of area...
       Great way of doing H...

 
We have chosen to apply the Creative Commons Attribution License to all works we publish.