Why hague risk management?
Before investing, individuals often ask whether the business has a clear and well-defined path to profitability. Our answer is a straightforward yes.
We achieve this through three (3) key strategies:
Whatever Matters To You
Because every customer has unique needs, our client will have the ability to design personalized insurance plans. Clients will have the power to add or remove coverage as they see fit, ensuring their plan truly reflects their lifestyle and budget.
Strategic Investments
We invest into sectors that matters, then reward loyalty through rewards and bundles that guarantee maximum customer value.
Rewards are earned on every single purchase and can be redeemed anywhere across our growing network.
Your Investment. Our Plan.
Strategic Investments
When you invest your money, you want strong, steady returns. Our plan is simple: we focus on smart, high-impact investments that not only make money but also build a large, loyal customer base. We’ll choose every investment carefully to offer two things: immediate customer value and a clear path for long-term growth.
The Core of Our Strategy: Two (2) Core Ideas.
1. Rewards: Every customer will have the opportunity to earn rewards every time they do business with us. Whether buying groceries, paying for coverage, or accessing any of our different services – customers will be earning rewards with each and every transaction.
How It Works —
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Customers will earn rewards whenever they do business with any of our businesses.
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Rewards can then be used flexibly across our ecosystem, the choice will be the customers.
Ways to Use Your Rewards —
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Apply them toward renewing or upgrading your insurance coverage.
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Shop with any of our businesses or with our rewards partners.
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Pay for products and services using rewards, cash, or a combination of both.
Example (A): John, a regular customer shops for his weekly groceries at one of our supermarkets. At checkout, John earns 500 reward points just for his purchase.
With rewards, John can:
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Use rewards, cast or a combination of both to make payment on his next supermarket visit.
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Share his rewards with family or friends.
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Or even donate them to an approved charity of his choice.
- Continue accumulating them for a later date.
2. Bundled Services: A part of off our strategy will be to strategical invest in the creation of various businesses, as we expand into various sectors, one of our goal will be to seamlessly bundle services, similar to what telecom companies does bundling phone, TV, and internet to offer more value for less.
Example (B):
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Customers could bundle their health insurance with medical services at our clinic.
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Use financing options to pay for groceries or prescriptions, all managed under one account.
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Earn and redeem rewards across all services, creating convenience and loyalty.
By investing in what people use every day, we will build a valuable ecosystem that benefits both our customers and our investors.
To start, we will focus on two (2) core investments that will form the foundation for our planned growth:
Hague Risk Management (HRM): An entirely online insurance platform providing personalized coverage with real-time pricing. We will begin with motor vehicle insurance and gradually expand into health and wellness, as well as a unique category called “Whatever Matters Most,” designed to cover extraordinary items or situations often overlooked by traditional insurance.
Supermarket: A physical retail location offering essential goods integrated with our rewards program. Our supermarket will foster customer loyalty, boost HRM’s brand visibility, and serve as a tangible hub for our rewards ecosystem.
Looking ahead: Overtime we’ll expand into additional sectors such as medical centers, pharmacies, and financing.
However for now businesses will operate synergistically, HRM will drive online engagement while the supermarket anchors our rewards system in the physical world.
As operations mature and profits grow, we will gradually expand into new regions and high-value sectors or even expand on what businesses we would have already created. Through our rewards system we’ll grow a loyal customer base, creating a sustainable ecosystem for long-term growth.
As an investor, you will be part of an innovative venture focused on delivering exceptional customer value and disciplined financial performance, ensuring consistent and scalable returns.
More on our businesses:

Supermarket
Our stores will operate like any other supermarket, available to all members of society and offering a wide selection of commodities such as;
- Fresh produce (fruits, vegetables)
- Dairy products (milk, cheese, yogurt)
- Meats, poultry, and seafood
- Etc
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Benefits for Customers: Customers will be able enjoy the convenience of a one-stop shop while earning rewards on every dollar spent. These rewards can be:
Redeemed at checkout to reduce cart totals (cash, points, or a combination of both)
Applied toward other purchases across our businesses, such as lowering insurance premiums
Transferred to family or friends
Used with throughout our reward partner network
Our loyalty system will create real value for customers, making their spending go further and giving them a reason to keep shopping with us instead of competitors.
Benefits for Investors: The supermarket plays a strategic role in building long-term value. It allows us to:
Generate consistent, diversified revenue through everyday essentials
Establish a loyal customer base through our integrated rewards program
Drive customer retention and cross-business engagement, especially with HRM and future ventures
Lay the foundation for expanding our reward ecosystem, which increases customer lifetime value
Position the business for growth into additional markets with a scalable, proven model
By merging everyday consumer behavior with a compelling rewards strategy, our supermarket becomes more than a retail outlet, it becomes an engine for recurring revenue and ecosystem-wide engagement.
Medical Center
Our medical center will be open to the public, delivering essential healthcare services to meet the ongoing needs of the community. It will offer:
Routine check-ups and wellness screenings
Diagnostic testing (e.g., blood work, imaging)

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Chronic disease management
Emergency response services
General outpatient treatment
- Etc
Our medical center will be designed not only to improve public health outcomes but also to create synergistic value for customers and investors by integrating with the broader HRM ecosystem.
Benefit to customers: Customers who hold active HRM insurance coverage will gain access to affordable add-on services, making their healthcare journey more convenient and cost-effective. In addition to:
Faster and more efficient claims processing, minimizing wait times for approvals and reimbursements
Continued participation in our rewards program: earn points for every out-of-pocket payment (excluding those made entirely with rewards)
Flexible redemption options, allowing rewards to be used toward healthcare services, insurance premiums, or transferred to others
Bundled healthcare packages (e.g., discounted 24/7 ambulance service or chronic care management plans), enhancing value and personal security
Access to exclusive service bundles tied to their coverage for added peace of mind and savings
By integrating healthcare with insurance and rewards, customers experience a more seamless, supportive healthcare journey all while saving money.
Benefit to Investors: Investing in our medical center positions you at the heart of an essential, recession-resistant industry. The medical center offers:
Stable, recurring revenue from both insured and general public patients
A constant influx of customers due to the universal demand for accessible healthcare
A strategic extension of our insurance business, encouraging increased policy adoption and retention
Enhanced data insights from medical service usage, aiding in product innovation and customer satisfaction
A key component in our ecosystem-based business model, where each service supports and feeds into the other
In short, the medical center boosts both operational income and customer lifetime value making it a strong, mission-aligned investment.

Pharmacy
Our pharmacy will operate as a key extension of our medical and insurance services, open to the public and stocked with a wide range of essential medications and health products. We will offer:
Prescription medications for acute and chronic conditions
Over-the-counter remedies for common ailments
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Health supplements, vitamins, and wellness products
Personal healthcare items (e.g., thermometers, blood pressure monitors)
Discounts and special offers for HRM rewards members
- Etc
The pharmacy will work hand-in-hand with our medical center, streamlining access to medications and offering convenient, cost-effective solutions for all customers.
Benefit for customers: Our pharmacy ensures affordability, accessibility, and added value through integration with the HRM rewards system. Key benefits include:
Discounted prices on prescriptions for HRM-covered individuals
Exclusive savings on supplements and OTC products based on insurance tier or rewards level
Seamless claims and billing integration for insured medications
Continued ability to earn and redeem rewards across services, giving customers more flexibility and savings
Personalized offers and bundled care options, such as chronic illness medication packages or monthly refill plans
This customer-centric approach makes everyday healthcare more manageable and cost-effective boosting loyalty and satisfaction.
Benefit to Investors: Pharmacies overall are a cornerstone of healthcare commerce and integrating one within our ecosystem unlocks valuable business advantages:
Increased revenue through high-volume sales of essential, everyday medications
Built-in customer base from HRM policyholders, medical center patients, and supermarket shoppers
Stronger customer retention through rewards, discounts, and seamless service integration
A reliable revenue stream supported by insurance usage, chronic care needs, and repeat monthly purchases
Opportunities for scalable expansion into digital pharmacy services, including prescription delivery and telepharmacy
This pharmacy isn’t just another drugstore it’s a key revenue generator and engagement touchpoint in our growing health-and-wellness network.
Hague Finance
As part of our strategic mission to build long-term value, we will launch Hague Finance, a financing arm designed to offer flexible, accessible funding solutions to customers. The model is straightforward: we provide financing for everyday goods and essential services.
Customers with active Hague Risk Management (HRM) coverage will be automatically pre-qualified for financing. However, all members of the public will have the opportunity to apply.

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Our flagship offering will be Lease-to-Own (LTO) financing, where Hague Finance purchases the desired item from the merchant and leases it to the customer. Customers will then pay over an agreed term (weekly, biweekly, monthly, or semi-monthly). Once payments are completed, full ownership of the item transfers to the customer.
Our Lease-to-Own (LTO) financing will including but not limited to:
- Furniture
- Tires and Rims
- Electronics
- Appliances
- Auto services
- Medical devices
- Home décor
Our service offering will also extend to Retail Installment Sale Agreement (RISA), with this type of agreement we will which allows you to receive certain services and pay over time. Eligible services include:
- Dental care
- Labor cost
Our goal will be simple: make financing stress-free, affordable, and accessible, helping customers get what they need, when they need it without the burden of traditional loan models.
Benefit to customer:
Lower interest rates for HRM members, making financing more affordable
Extended warranty options on financed items, providing peace of mind
Flexible repayment terms suited to different financial situations
Access to essential goods and services without upfront costs
Integration with HRM’s reward system, allowing rewards to go toward payments or extended warranties
This flexibility empowers customers to manage their financial lives more confidently and conveniently.
Benefits for Investors:
Hague Finance offers significant growth and recurring revenue potential. Key investor advantages include:
Recurring revenue from interest, service charges, warranties, late fees, and processing fees
Built-in demand through HRM’s pre-qualified customer base
Enhanced market penetration and customer retention, as financing encourages customers to stay within our ecosystem
Diversification of income streams across multiple consumer categories
A scalable model, adaptable to future services and geographic expansion
By bridging financing with insurance, retail, and healthcare, Hague Finance becomes a powerful tool for boosting profitability while serving real customer needs.
Rewards
How will it work?
Our rewards system will manage and integrate our different businesses, allowing us to recognize and reward both customers and employees across these different companies. With doing so, we aim to boost engagement, loyalty, and performance in a unified way. Customer will be able to earn reward through.
Company Reward
Company rewards mean that with all our business ventures operate by Hague Risk Management (HRM) customers will be able to earn/redeem rewards.
Customers will earn points/rewards or discounts when shopping, renewing insurance, using healthcare, or financing purchases etc. Rewards will be stored securely in a digital wallet accessible to customers via a online portal, allowing customers to manage points, redeem points towards purchases, transfer points to others, receive points, or donate to community causes.
Customer Benefits:
Cross-service savings
Financial flexibility
Higher engagement and retention
Convenient, unified experience
Investor Benefits:
Increased customer lifetime value
Strengthened loyalty and cross-selling
Repeat business across multiple revenue streams
Scalable infrastructure for growth
By integrating insurance, finance, retail, and healthcare with a comprehensive rewards model, HRM aims to become a lifestyle platform that maximizes customer satisfaction and ensures sustainable investor returns.
Reward Partner Network
Through our rewards partner network, we will offer retailers the opportunity to join our ecosystem. Businesses such as restaurants, clothing stores, gyms and fitness centers, spas, electronics, appliance stores etc. This expanded partner network will give customers the freedom to redeem their rewards across a broad range of everyday purchases.
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2025 HRM.
Removing the risk from what matters most
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