HMH has designed specialized applications of life insurance for banks throughout the United States.

Banks face challenges including:

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

HMH delivers specialized applications of life insurance designed to:

• Enhanced product returns exceeding 200 bps.
• Configure portfolios to bank RBC tolerance and appetite
• Meet bank investment management expectations without prohibited investor control