Highlights: HM Insurance Group

HM Insurance Group sees the catastrophic — the high-dollar claims that can change the lives of individuals and threaten the financial stability of their employers. As the frequency and severity of claims rise (more and more exceeding $1 million), the financial exposure of self-funded groups increases as well. HM Insurance Group knows that its Stop Loss customers — employers who self-fund their health benefits plans — need to know that their bottom line is protected. They want high-dollar claims to be paid quickly and accurately so that they can focus on their business. Executing smart practices and remarkable performance is essential to HM Insurance Group's ability to guard the financial health of its clients.

That starts at the very beginning. HM Insurance Group has teams across the nation with regional knowledge and market expertise who watch the trends and know the stakes. When writing a policy, they know that a solid contract provides better protection for clients and is the foundation for mutual obligations. The HM Insurance Group contract is designed to provide clarity, financial protection and choice. With nearly 35 years in the market, the company has the insight to write coverage that truly protects policyholders when they experience losses that exceed deductible levels.

Strong operational performance is essential when managing the unpredictable. Faster claim reimbursement impacts the policyholder's overall financials, and HM Insurance Group's claims management processes drive quick payment without sacrificing accuracy. At greater than 99%, both its technical and financial accuracy exceed industry standards. And 99.99% of clean claims are processed within 10 business days.

Finally, HM Insurance Group's stable financial foundation enables the company to pay claims and meet its product guarantees. To safeguard financial commitments to its policyholders, HM Insurance Group has reserves and capital that exceed the levels required by regulators.

Throughout the entire cycle of business, HM Insurance Group creates a remarkable experience for policyholders so that they can have confidence that their HM Stop Loss coverage is guarding their financial health.

That commitment goes straight to the top of the company. As one customer explained in a survey after HM Insurance Group's National Sales Conference: "HM's senior leaders are always available when you want to share ideas that relate to our mutual clients' financial security and success."