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In addition to being financially secure, the life insurance company you choose should have a good claims payment history and good customer service. Independent sources such as A.M. Best Company rate insurance companies. HSBC works with insurance carriers who have a rating of A- rating or better by the A.M. Best Company.

It's no secret that health care is expensive today. The government says the cost to treat a broken leg can run $7,500 and an average three-day stay can set you back $30,000. Without insurance, many Americans would be one health setback away from financial ruin. Regularly paying a set premium for health coverage assures that money will be available

Yes. It is completely up to the employer whether or not they will offer health insurance to employees at all, and they can change carriers and level of benefits at any time.

All private health insurance plans offered through the state marketplaces must offer the same set of "essential health benefits" as defined under the Affordable Care Act. These include: emergency care; lab tests; prescription remedies; preventive care; maternity, newborn and pediatric care; and treatment for mental health disorders and substance ab

If youre not satisfied with how your insurance company addresses your complaint, every state has an insurance department to help with questions or complaints. To find out more, contact your state insurance department. Ask if your state has a consumer assistance program that can help you file an appeal. The National Patient Advocate Foundation may b

There are different plans designed to suit specific need. These include: Major Plans - This type of policy is usually effective in covering serious illness or injury where costs are high. Hospital care, remedies and doctor's visits, are usually covered. It includes Indemnity plans, Preferred Provider Organization (PPO) plans, Health Maintenance Org