Flexible approaches to meet client needs

We partner with our clients to develop customized, cost effective solutions that get products to market quickly and effectively.

Hersh Markusfeld

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

Proven Track Record +

For over 20 years, SHM has worked closely with a wide variety of insurers and distributors to create customized solutions to meet their specialized needs.


  • AIM — American Independent Marketing
  • Allianz Life Insurance Company — North America
  • American Equity Investment Life
  • Bankers United Life, a division of AEGON USA*
  • California Physicians' Insurance Corporation
  • Emphesys, a HUMANA Solution
  • First Penn-Pacific Life Insurance Company
  • Florida Office of Insurance Regulation
  • Fortis Long Term Care, Time Insurance Company
  • GoldenCare USA, Inc.*
  • Great American Financial Resources, Inc.
  • Lincoln National Insurance Group
  • Magnum Actuarial Group LLC
  • Medical Life Insurance Company*
  • Mutual Life Insurance Company of New York
  • New York Life Insurance Company
  • North American Life & Casualty Company
  • Ovations, a United Health Group Company
  • Pacific Life Insurance Company
  • United of Omaha Life Insurance Company*
  • United Teachers Insurance Company
  • Weil, Gotshal & Manges LLP
* Current Clients