HMH has a deep appreciation for the specialized applications of life insurance needed by insurance companies throughout the United States both as purchasers and sellers of COLI.

Insurance companies face challenges in their role as purchasers of COLI including:

• Earnings pressures due to low interest rates, taxes, and rising benefit expenses
• Risk based capital constraints
• Managing change with respect to inadequate COLI performance

HMH delivers specialized applications of life insurance designed to:

• Enhance portfolio returns exceeding 200 bps and as much as 300 bps
• Configure portfolios to insurance company RBC tolerance and appetite
• Investment management expectations without prohibited investor control