This web site is owned and operated by Spectrum Direct Insurance Services, Inc. in accordance with its privacy policy and is not affiliated with Liberty Life Insurance Company or HSBC. Seymour Alter is the licensed agent. Information submitted in an insurance application will be used by Liberty Life and HSBC in accordance with their privacy policies. The Liberty Life product is available to U.S. and Canadian citizens residing in the United States except for residents of New York and Alabama who are eligible for HSBC products. The products are not available to individuals residing outside the U.S. Two (2) year contestability and suicide period (1 year in CO and ND). In MO, suicide within 2 years does not prevent payment of benefits unless suicide was intended at time of application. Liberty Life Form Number ST(01-03), et al.