HMH has experience advising investors on life insurance.

Investors in life insurance face challenges including:

• Identifying new asset classes the returns of which are not correlated with those of other asset classes
• Assuring that life insurance products perform as expected
• Mortality gains
• Sales price
• Insurable interest risk
• Tax risk
• Regulatory and legislative risk
• Managing change with respect to inadequate product performance

HMH delivers incisive advice to investors pertaining to those challenges:

• Evaluated investor-owned life insurance structures since the 1990s
• Enhanced product returns often exceeding 200 bps
• 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 products
• Drafted applicable insurable interest and tax rules

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