Who is HMS Insurance Group?

HMS Insurance Group is an insurance, benefits, and retirement advisory firm with agents across the country.  We specialize in making sure the retirements and financial stability of families and businesses are secure using strategic life insurance planning, and utilization of state-of-the-art insurance technology.


Our Team

HMS Insurance Group has assembled and trained a team of some of the top retirement planning and living benefits advisers in the United States, some advisers we work with have over 35 years of experience serving the retirement planning industry.

Our experts are trained to help people receive superior life insurance coverage with living benefits and use indexed universal life insurance to crush the 401(k) competition in retirement planning.  Consultants are trained on how to give our clients tax-free income at retirement and creating an estate for their heirs.

We can consult on any type of Life insurance, or Medicare/Medicare Advantage, LTC, Dental or Prescription Coverage.



How We Help Businesses

Your business can be helped in multiple ways by an HMS Insurance Advisor.  We don’t sacrifice quality either, we simply have a better solution which is much less expensive than larger insurance carriers, and just as reliable.  We can then take some of those savings, and implement Key Person Insurance, buy–sell Arrangements, and Business Continuation Plans that pay a LIVING BENEFIT, which pays off if the insured gets sick and must leave work.  Many situations will take a person out of a company, leaving the company w/o a key person, in which the insured doesn’t die.  We plan for that contingency by giving the policy owner a Living Benefit, up to 90% of the death benefit.  This protects the insured when a critical, chronic or terminal illness happens, or becomes injured and can’t work, the policy owner could receive a check for up to 90% of the death benefit.  Upfront.


How We Help Families

We offer families superior retirement planning and insurance protection, many times all in the same product.

With any type of Life insurance, Medicare/Medicare Advantage, LTC, Dental or Prescription Coverage

  • We can offer solid, long-term gains in with no risk to principle.
  • No Cap on Market Indexed Gains, with No Risk to Principle
  • Living Benefits in the case of illness or injury of up to 90% of the death benefit
  • Family Needs Analysis for Insurance Coverage
  • 300% More Income at Retirement than a 401(k) Plan
  • Tax-Free Income at Retirement
  • Tax-Free Asset Creation to Heirs
  • Leave a Financial Legacy