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.

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

Get in touch with your specialist, make an estimate of your healthcare needs, and weigh the risk vs. reward to be able to find the right health care plan for yourself.