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HM Insurance Group (HM) offers a connected portfolio of products and services that create health risk solutions for producers, employers and employees. We help meet the demand of the changing employee marketplace through our knowledge and experience in assessing and managing risk effectively. Utilizing our distinct expertise, HM designs innovative benefits programs that provide protection to clients. HM offers a consultative approach to assist in simplifying the complexities of the employee benefits market. As employers search for affordable solutions to attract and maintain a talented work force, our benefit programs provide customized solutions for employers, regardless of who is responsible for assuming the cost for benefits. The HM product portfolio providing these solutions includes: