HMH has designed specialized applications of life insurance for major employers that are leaders in their industries.

Employers face challenges including:

• Earnings pressures due to taxes and rising benefit expenses
• Prioritizing the various projects competing for scarce capital
• Managing change with respect to inadequate COLI performance

HMH delivers specialized applications of life insurance designed to:

• Reduce the cost of benefits while increasing employee benefit security
• Free up capital that otherwise would not be available for other projects
• Meet employer investment management expectations without prohibited investor control