HMS and Associates-Insurance & Financial Consultants

Henry Sommo


Nationwide, USA


Who is HMS Insurance Group?

HMS Insurance Group is an insurance, benefits, and retirement advisory firm with agents spread across the country. We specialize in making sure the retirements and financial stability of families and businesses are secure through the use of 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, living benefits, and health coverage experts in the United States, some of our advisors we work with have over 35 years of experience in serving the retirement planning industry.

Our experts are trained to help people receive superior life insurance coverage with living benefits, save up to 50% on health coverage, and use indexed universal life insurance to crush the 401(k) competition in retirement planning. They are trained on how to give our clients tax free income at retirement, and creating an estate for their heirs.

How We Help Businesses

Your business can be helped in multiple ways by an HMS Insurance Advisor. One major way we have found to help you as a business owner is to save you a great deal of money on their health coverage, by utilizing high quality ACA compliant coverage, and saving the company an average of 50% on their health care costs. 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. It is important to remember that if the company doesn’t survive, nobody keeps a job. We offer highly competitive health coverage solutions that will save money for the company, and for the employees.

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 has to leave work. There are many situations that will take a person out of a company, leaving the company hanging, 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 means, if the insured gets critically ill, chronically ill, or becomes injured and can’t work, the policy owner could receive a check for up to 90% of the death benefit. Up front.

​How We Help Families

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

  • We can offer solid, long term gains in retirement 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
  • Low Cost/High Quality Health 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