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Annuities

Annuities offer tax-deferred growth and guaranteed income to meet your financial needs.

What are annuities?

Annuities are contracts providing guaranteed income designed to help you meet your long-range financial goals. By diligently researching and partnering with top insurance carriers, we are able to offer our clients a range of carefully selected annuities including fixed, variable[@variableannuities] and immediate.

Why get an annuity with us?

Experience a guaranteed income

Enjoy tax-deferred growth and guaranteed income to supplement your retirement goals.

Personalized recommendations to suit your needs

A comprehensive financial review allows you to work with our Wealth Relationship Managers to determine which annuity may be suitable to progress towards your long-term financial goals.

Explore a curated selection

We diligently research and partner with top insurance carriers to offer you a range of carefully selected annuities.

What types of annuities are available?

Fixed annuity

Get a guaranteed payout paid in a lump sum or in installments for the annuitant's life or a defined length of time.

Variable annuity[@variableannuities]

This annuity will provide payouts based on the performance of the annuity's underlying investments.

Registered index-linked annuity

This annuity provides payments based on the performance of a specified stock market index, up to a cap, and can include buffers for added downside protection.

Deferred annuity

This annuity allows you to accumulate funds on a tax-deferred basis for a specified period, before starting to receive regular income payments.

Immediate annuity

This kind of annuity doesn’t have an accumulation period, so your payouts can begin as soon as 30 days after the contract has been established, or deferred up to 1 year prior to annuitization.

Things to know

Who can invest?

Anyone can invest in annuities with HSBC Securities (USA), Inc. - as long as you meet the age restrictions for your chosen product. However, it's important to understand there are risks associated with investing and you may experience losses on returns. 

Ready to invest in an annuity?

Already an HSBC client?

Log on to online banking to schedule an appointment with your Wealth Relationship Manager.

New to HSBC?

For more information on annuities, give us a call.

From within the U.S. or Canada:

800 662 3343

From outside the U.S. or Canada:

847 876 1574

Monday through Friday, 8am to 6pm Eastern Time

Visit a Wealth Center 

Frequently asked questions

How do I decide the best annuity for me? 

What are the key considerations ahead of investing? 

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Additional information

    Disclaimer 

    Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSI is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843.

    Investments, Annuity and Insurance Products: Are not a deposit or other obligation of the bank or any of its affiliates; Not FDIC insured or insured by any federal government agency; Not guaranteed by the bank or any of its affiliates; and subject to investment risk, including possible loss of principal invested.

    All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor.

    Research backgrounds of brokers and firms for free by visiting FINRA's BrokerCheck website.

    HSBC Securities (USA) Inc., HSBC Insurance Agency (USA) Inc., and HSBC Bank USA N.A. (collectively “HSBC”) does not provide recommendations or advice on any products based on Environmental, Social & Governance (“ESG”) or Sustainable Investing (“SI”) considerations except in its discretionary solution(s) specifically dedicated to ESG/SI. Additionally, HSBC reserves the right to not recommend, or trade securities based on HSBC Group’s* internal policies, including its sustainability policies. Customers can purchase ESG/SI related products on our platform on a self-directed basis. Any ESG/SI macroeconomic statements or promotional materials generated by other HSBC Group entities may not reflect the views of HSBC. For more information, see our general ESG/SI disclosure.

    *HSBC Group refers to HSBC’s global affiliates.

    United States persons are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons should consult a tax adviser for more information.