SHM’s management group includes three FSA's, each with over 20 years experience in senior management and executive experience in LTCI. We have recently formed a strategic alliance with U.S. Living Benefits, whose principal, Dan Pisetsky, is a nationally known expert in Critical Illness insurance.

Each member of SHM has gone through a number of LTC insurance product lifecycles, from development to credible claims. As prior members of successful leading LTC insurer senior management teams we have extensive knowledge and recognized expertise in:

• Strategic Planning
• Product Line Management
• Market Development
• Reinsurance
• Acquisitions

SHM has particular interest in developing non-traditional sales approaches. We have significant experience in direct response marketing and are currently involved in a project to develop a tele-sales operation to better address the working population.

We are committed to continuous product evolution. Our product development track record is distinguished by leading-edge product designs.

Our current focus is a patent-pending premium methodology that is aimed at making products more affordable to the younger population. We would like to help you penetrate this under-served segment of the market.

We believe the environment is ripe (for example, the Pension Protection Act of 2006) for products with a combination of LTC, Critical Illness, Disability, Life and Asset Accumulation coverages. Recently,
SHM and U.S. Living Benefits jointly developed a LTCI/CII combination product. Our premium methodology further enhances the attractiveness of these products.

SHM has extensive in-depth experience including hands-on management of LTCI actuarial operations. Primary consulting services include:

• Product Development
• Valuation
• Experience Analysis

We can provide you with specific actuarial expertise in managing LTC insurance and other lines of business.
Services include:

• Product Development
• Benefit Feature Design
• Pricing
• Actuarial Memorandum
• Contracts
• Filing Assistance
• Product Implementation

• Valuation
• Assumption Selection
• Reserve Analysis
• Valuation Process
• Adequacy Tests

• Experience Analysis
• Experience System Specifications
• Credibility Applications
• Actual-to-Expected Studies
• Expert Witness

Our services are enhanced by our own proprietary LTC claim cost assumptions which are based on insured experience. Our Critical Illness claim cost assumptions are based on general population data.

We are a member of The InUnison Solution, a consortium of service providers for LTCI and other insurance products. Together, we offer a best-in-class one-stop solution for all your operational needs including the following:

• Actuarial Support
• Sales Support
• Risk Selection
• Policy Administration
• Administrative Systems
• Care Management
• Claim Administration
• Reinsurance