Read about the benefits of Heartland’s alternative risk financing

Quantifiable Savings

Heartland’s fixed-rate program offers significant savings when compared to fully insured or self funded programs. For example, one client who switched from a self funded program enjoyed 19.8% savings in the first year.


We develop partnerships with innovative program managers, in business 30+ years, to deliver high value and cost control savings.

Peace of Mind

Rated with AM Best for over 15 years, Heartland currently holds both a Financial Strength Rating of A- (Excellent) and a Long-Term Issuer Credit Rating of “A-”.