Where is the domicile / home office of HM Life Insurance of New York?

The New York entity is domiciled in New York, with its home office in New York City, NY.

Who is the parent company of HM Life Insurance?

HM Life Insurance is a subsidiary of HM Insurance Group, which is itself owned by Highmark Inc. / Highmark Health.

Does HM Life underwrite traditional life insurance or annuities?

For most entities, HM Life focuses on health-related coverages rather than standard life or annuity lines. The New York subsidiary historically offered life / annuity / A&H, but it has ceased writing new life/annuity business after 2012.

What is the financial strength rating of HM Life Insurance?

HM Life Insurance holds an A (Excellent) rating from AM Best, reflecting strong ability to meet ongoing obligations.

Does HM Life operate in all U.S. states?

Yes, in almost all states. However, in New York the underwriting is handled by HM Life Insurance Company of New York.

How is HM Life Insurance connected to HM Insurance Group?

HM Life Insurance is one of the insurance subsidiaries under the HM Insurance Group umbrella. The group also includes entities doing specialty, reinsurance, and excess coverage.

What is HM Life Insurance’s primary business focus?

Its core role is to underwrite stop-loss, provider excess, and accident & health reinsurance products, especially for self-funded employers and health plan entities.

Are there local agents in every county?

Yes — KFB maintains an agent presence in all 120 counties in Kentucky to ensure broad coverage and access.

Does Kentucky Farm Bureau insure floods?

No, flood insurance is provided via the federal National Flood Insurance Program. Some KFB agents may sell flood policies, but they are not underwritten by KFB.

Can I choose my repair contractor?

Yes. You may select a qualified repairer. However, your adjuster or claims rep must review and approve the damages and costs.