HMH has experience advising life settlement providers.

Life settlement providers face challenges that include:

• Mortality gains
• Sales price
• Insurable interest risk
• Tax risk
• Regulatory and legislative risk

HMH delivers incisive advice to life settlement providers pertaining to those challenges:

• Evaluated IOLI structures since the 1990s
• Audited life settlement processes and life expectancy results
• Certified the formulas, calculation methods and business rules used to support insurers' products, general ledgers and systems that implement illustrations and proposals
• Developed experience rating and other methods for managing the risks and pricing of insurance contracts
• Drafted applicable insurable interest and tax rules