Smart Life Insurance USA Term Life Insurance

Smart Life Insurance

Smart Life Insurance - Unique Quality Term Life Insurance - No Medical Exam required - No Insurance Agent involved - Up to $500,000 coverage offered - 100% Online application with just a few medical questions - Instant approval if qualified, and backed by HSBC Insurance.

Get Term Life Insurance Instantly*

* No Medical Exam - Just a few health questions. No needles, no nurses, no hassle.
* Get up to $500,000 of affordable term life insurance instantly*
* 100% online application complete in just minutes.
* Instant Approval* - get your policy in just minutes instead of months

* The above benefits are subject to your qualifying for insurance coverage.

Smart Life Insurance provides the most simple, fast, and innovative way to get affordable term life insurance. Protect your loved ones in minutes.

Product Features and Benefits:

- $25,000 to $500,000 of protection non-medical
10, 15, 20 or 30-year terms
Rated A+ Superior (2nd Highest Rating of 16) by A.M. Best Company.
Guaranteed level premiums for the length of the initial term.
No paperwork: E-signature and voice signature (phone) available
Flexible payment choices
Fast. Easy. Simple
Apply in minutes: Only 6-8 medical questions (based on your state)
No Medical exam, just a few health questions
30-day money-back guarantee
Multiple payment options: Credit cards (Visa, Discover, American Express, and MasterCard) or Electronic Funds Transfer (EFT: checking or savings bank account)
Flexible Payment Options: Annual, semi-annual, quarterly and monthly
Issue Ages (subject to state approval):

Term Period
10 Years, 15 Years, 20 Years, 30 Years

Issue Ages
18-60, 18-55, 18-50, 18-43

Beneficiary: You may designate a Spouse, children, siblings, parents, grandchildren, grandparents, nephews, nieces, trusts, estates or other.

Owner: Must be the insured. Once the policy is in force, ownership may change. Owner information included on the branch application. is a website owned and operated by SASid, Inc. in accordance with its privacy policy and is not affiliated with HSBC Insurance. is the licensed agent. The term life insurance is issued by Household Life Insurance Company, home office Detroit, MI, administrative office Bridgewater, NJ or First Central National Life Insurance Company of New York, home office New York, NY, administrative office Bridgewater, NJ which are subsidiaries of HSBC North America Holdings, Inc. The product is an obligation of Household Life Insurance Company or First Central National Life Insurance Company of New York, only in New York. Life insurance policies contain exclusions and limitations; benefits may vary due to misstatement of age or sex. The product may not be available in all States. The policy is issued as Form Number HLI-8-132 for Household Life Insurance Company and Form Number CNY-8-815 for First Central National Life Insurance Company, or a variation of such. Companies are Rated as "A+ Superior" (2nd Highest Rating of 16) by A.M. Best Company.


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