About us

NetCoverage's vision of making a Life Insurance purchase fast and easy over the internet or phone is truly amazing. With Netcoverage, customers have the ability to shop and compare coverage amounts and term lengths online and choose the plan that best meets their needs - all within the comfort of their home any time of the day.

Taking that vision to the next level means offering customers a life insurance product that truly allows a life insurance policy purchase in less than a day, for qualifying applications. The next generation of life insurance policies is Simplified Issue Term Life Insurance, in which policies may be issued with automated underwriting of health and lifestyle questions and no paramedical exam or doctor visit requirements. With Simplified issue term, customers can complete an application, get a coverage decision, and print a policy, without ever having to leave the computer or speak to an agent.

NetCoverage offers consumers access to a life insurance plan that can provide a great alternative to traditionally underwritten term life products. With plans up to $500,000 in coverage, you can view rates and decide on the type of plan that best meets your needs. Our goal is to provide access to an insurance application and issue process for internet-savvy consumers, who wish to apply for and obtain life insurance quotes and a policy online because of the convenience afforded with purchasing a policy over the internet.

With our quoting technology, every rate search is accurate and delivers you various coverage amounts and term lengths. Once your initial quote is generated, you will be asked to complete a series of health questions to better assess your rate class. After completing the health and lifestyle questions, you will be asked to confirm your term length and coverage amount, provide payment information and electronically sign your application. If approved, you’ll be able to print your in-force policy right from home!

We are licensed in the following states:

Who is HSBC?

Headquartered in London, HSBC is one of the largest banking and financial services organizations in the world. HSBC's international network comprises around 8,000 offices in 88 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa.

With listings on the London, Hong Kong, New York, Paris and Bermuda stock exchanges, shares in HSBC Holdings plc are held by around 220,000 shareholders in 119 countries and territories. The shares are traded on the New York Stock Exchange in the form of American Depositary Receipts.

Through an international network linked by advanced technology, including a rapidly growing e-commerce capability, HSBC provides a comprehensive range of financial services: personal financial services; commercial banking; corporate, investment banking and markets; private banking; and other activities.

HSBC Bank USA, N.A., with total assets of $171 billion as of 31 December 2009, offers its 3.8 million plus customers a full range of banking products and services to individuals.

Household Life Insurance Company and First Central National Life Insurance Company of New York, under the trade name HSBC Insurance, are indirect subsidiaries of HSBC North America Holdings Inc. The companies are rated as "A Excellent" (third highest rating of 16) by A. M. Best Company.