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Why HM

Financial Strength

Guarding Financial Health Through a Solid Financial Foundation

Backed by sound business practices and financial judgment, we use a stable business model and risk management expertise to underwrite and service the risk exposures of our clients. Through smart, controlled growth, we consistently achieve strong financial results.

Prudent rate development, pricing and risk selection are fundamental to our ability to increase market share while helping to ensure that business growth is managed appropriately. In order to meet our product guarantees, we set aside reserves and capital to safeguard our financial commitments to our policyholders, and each of the HM companies has reserves and capital that exceed the levels required by regulators.

Key Facts

  • Rated A- (Excellent) by A.M. Best1
  • Consistently named to Ward’s 50® top-performing life and health companies2
  • Annual gross revenues exceeding $1 billion3
  • Exceed the 200% company action level for reserves and capital set by regulators, ensuring that our capital base can meet our financial commitments to our clients3

Sources: 1A.M. Best Company, Best’s Rating Reports, July 2016; 2Ward Group, Ward’s 50 Life-Health Companies, July 2016; 3HM Internal Financial Reporting, January 2017.