HMH provides advice and support services in connection with specialized applications of life insurance, with particular attention to Business Owned Life Insurance (BOLI). We

• Help employers efficiently manage their investments in securing employee benefits,
• Guide insurers toward improved product offerings,
• Advise investors regarding way life insurance operates in their search for an asset class the returns of which are not correlated with those of other asset classes, and
• Help life expectancy providers serving the life settlement industry develop life expectancy projections based on high quality data.

HMH provides litigation and expert witness services including damages calculations coupled with advice about product design and structure as well as business practices.

HMH does not accept transaction-based compensation (commissions, etc.) and avoids even the appearance of any conflicts of interest that could call into question the credibility of HMH findings and recommendations.