SHM offers a comprehensive suite of product and modular service solutions, enabling clients to speed market entry while minimizing both cost and risk.

We are prepared to act as a catalyst in bringing together distributors and insurers to gain market traction with competitive, consumer-oriented products. To accomplish this SHM offers or facilitates the following key services:

• Feasibility studies to help insurers decide if, how, and when to enter new markets
• Proprietary product design and pricing methodologies deliver marketplace differentiation and a significant competitive advantage
• Multi-level, integrated communications and sales support materials for agents, association/employer sponsors, and consumers
• LTCI underwriting and claims admin alternatives to help fill gaps in in-house capabilities

Value-added consulting services

In addition to the above, SHM also offers the following consulting services on a modular, as-needed basis:

• Market research
• Marketing/distribution alternatives
• Underwriting and claims administration outsource options
• Reinsurance alternatives
• Valuation and experience analysis
• Financial and statutory reporting
• Capital management
• Business acquisition
• Agent training