Wealth Transfer Advantage
Leaving your heirs a more secure future.
HSBC Insurance Agency (USA) Inc. is pleased to tell you about an innovative universal life insurance product called Wealth Transfer Advantage from Aviva Life Insurance Company. By purchasing this life insurance policy, you can immediately enhance the value of your estate through the policy's death benefit. And it passes to your beneficiary 100% income tax-free, so your beneficiaries get the full amount you set aside for them.
This policy also includes a unique combination of benefits and guarantees that are among the strongest in the industry, including:
Many Americans plan to leave money to their spouse, children or grandchildren without realizing they may also leave behind a significant tax burden. Unlike many financial vehicles, the death benefit of a life insurance policy is 100% income tax-free to your beneficiary! Wealth Transfer Advantageis a single premium universal life insurance policy that immediately enhances the value of your estate for your heirs.
| Issue Ages: |
40-85 |
| Minimum Premium: |
$10,000 |
| Risk Classes: |
Non-Tobacco User, Tobacco User |
| Interest: |
Interest credited to the cash value accumulates on a tax-deferred basis. |
| The chart below will give you an idea of the single premium needed for loved ones to receive the tax-free death benefit indicated.** |
|
|
| Benefit Amount |
$25,000 |
$50,000 |
$75,000 |
|
|
| Age |
Single Premium |
Single Premium |
Single Premium |
|
|
| 60 |
$11,200 |
$22,398 |
$33,597 |
|
|
| 70 |
$14,918 |
$29,835 |
$44,752 |
|
|
| 80 |
$18,616 |
$37,235 |
$55,850 |
|
|
| Single Premium amounts are based on a male, non-tobacco user, standard risk class. |
For more information on the benefits of Wealth Transfer Advantage or to receive a no obligation quote, please visit your nearest HSBC Branch or call 1-888-HSBC USA (1-888-472-2872) to speak to an Insurance representative.
| * Note: Surrender charges may apply to partial withdrawals. Return of premium is limited to the actual premium paid by you provided no loans and/or withdrawals have been taken and no changes to the initial face amount have been made. State variations may apply with respect to the impact of a loan or withdrawal on your guarantees.
**Rates and coverage require application and are subject to underwriting.
The information contained in this letter is not intended to be interpreted as specific legal or tax advice. Individuals are advised to seek the guidance of their own personal legal or tax counsel. |
INSURANCE PRODUCTS ARE-
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NOT A DEPOSIT
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NOT FDIC-INSURED
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NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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NOT GUARANTEED BY THE BANK
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Products and services described above may vary by state and are not available in all states. Insurance is offered through insurance agents of HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, National Association and an indirectly wholly owned affiliate of HSBC Holdings plc. This website is not intended for use by consumers outside of the United States. Call 1-888-472-2872 or Contact Us |
| Aviva Life Insurance Company of America is licensed and offers products throughout the United States, except in New York. Aviva Life Insurance Company of New York, 100 Corporate Parkway, Buffalo, N.Y. is licensed and offers products in New York only. Each Company is solely responsible for its obligations to its respective policyholders. Policy form #NYP-2185 |
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