Life Insurance with No Medical exams

Posted: Thu Feb 28, 2008 07:43 pm Post Subject:

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.

Posted: Thu Feb 28, 2008 08:51 pm Post Subject:

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.

Posted: Thu Feb 28, 2008 10:51 pm Post Subject: Yes, This Is For Real

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.

Posted: Fri Feb 29, 2008 12:46 am Post Subject:

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.

Posted: Fri Feb 29, 2008 01:20 am Post Subject:

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

Posted: Fri Feb 29, 2008 01:32 am Post Subject:

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.

Posted: Fri Feb 29, 2008 02:40 pm Post Subject: insurance

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?

Posted: Fri Feb 29, 2008 05:21 pm Post Subject:

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.

Posted: Sat Mar 01, 2008 02:35 am Post Subject:

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

Posted: Sat Mar 01, 2008 04:37 pm Post Subject: Life

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?