HMH principals have been helping clients understand their life insurance programs for more than two decades. They have a proven track record of translating complex carrier policy reports into plain English. They are unexcelled at assuring program consistency with client expectations while uncovering unexpected variances from expected results and providing immediate attention to the root causes.

Can you answer "yes" to one or more of the following questions?

• Are the internal workings of your life insurance programs a complete mystery to you?
• Are your programs paying compensation to a firm that either is not providing services, or is providing inadequate services, to you?
• Are you concerned that your life insurance programs are not performing to expectations?
• Are you concerned that you do not have good control over the original documents that govern your programs?
• Has your organization lost the management team or staff that understands your life insurance programs?
• Does some of your staff lack the ability to explain how your life insurance program works?
• Do you lack the leverage that you need with your insurance carriers to demand changes that you want?

If you can answer "yes" to one or more of these questions, take comfort in knowing that you're not alone.

HMH will work with your life insurance carriers to monitor the effectiveness of your program and recommend changes needed to meet client expectations for the program. Moreover, HMH works with your organization to assure continued awareness by senior management and other key stakeholders of the value proposition delivered by your life insurance program.