HM Insurance Group works to protect employers and health care entities across the country from the financial risks associated with catastrophic health care costs. With nearly 40 years in the market, HM Insurance Group is among the top carriers nationally for Stop Loss insurance, protecting self-funded clients from the financial loss associated with unexpected large or catastrophic claims. Similarly, HM Insurance Group's Managed Care Reinsurance product line delivers optimal coverage for the financial protection of risk-bearing entities such as HMOs, health plans, and provider organizations. Headquartered in Pittsburgh, the company has offices in 18 locations nationwide, and is licensed in 50 states and the District of Columbia.

What makes Lockton stand apart is also what makes us better: independence. Our private ownership empowers our 12,500+ Associates doing business in over 140+ countries to focus solely on clients' risk and insurance needs. With expertise that reaches around the globe, we deliver the deep understanding needed to accomplish remarkable results.

Welcome to Lowery Benefit Services - Together, let’s create benefit programs that meet the needs of you, your business and your employees. Founded in 1977, few organizations have the depth of knowledge and expertise in employee benefits & HR management as Lowery Benefit Services. We work with an extensive list of top carriers, networks, providers and other industry vendors to provide our clients with the best value and service. We believe that every client is unique. That's why our first priority is to establish a foundation of mutual trust and shared values by treating each client as an individual with unique needs. OUR PORTFOLIO OF SERVICES: Group Benefit Design – focuses on cost containment, employee engagement, & automation. Voluntary Benefits – focuses on increasing financial wellness of your employees. Employee Wellness and Health Management – focuses on increasing the physical & mental wellness of your employees. Compliance & Administration - effective compliance strategies and resources allowing you more time to focus on running your business while remaining fully compliant with all federal rules and regulations. HR Resources – value add HR Library and ability to consult with live SPHR/PHR certified consultants to solve your most complex HR issues. Automated Benefits and Payroll – user friendly and provided by top industry vendors. OUR CREDENTIALS – MEMBERSHIPS, CERTIFICATIONS & DESIGNATIONS Lowery Benefits Services is a proud member of the National Association of Health Underwriters (NAHU) and the local chapter of NAHU, the St. Louis Association of Health Underwriters (SLAHA). The professionals of our firm hold the following various industry designations and certifications in their perspective specialties: -CPA – Certified Public Accountant -CLU - Chartered Life Underwriter -ChFC – Chartered Financial Consultant -RHU – Registered Health Underwriter -GBDS – Group Benefit Disability Specialist -CDHC – Consumer Driven Healthcare Certified

OneDigital’s team of fierce advocates helps businesses and individuals achieve their aspirations of health, success and financial security. Our insurance, financial services and HR platform provides personalized, tech-enabled solutions for a contemporary work-life experience. Nationally recognized for our culture of caring, OneDigital’s teams enable employers and individuals to do their best work and live their best lives. More than 75,000 employers and millions of individuals rely on our teams for counsel and access to fully integrated worksite products and services and the retirement and wealth management advice provided through OneDigital Investment Advisors. Founded in 2000 and headquartered in Atlanta, OneDigital maintains offices in most major markets across the nation. OneDigital has received the Glassdoor Employees’ Choice Award for Best Places to Work in 2023. For more information, visit onedigital.com.

We believe life is meant to be lived to the fullest and health is a key ingredient in a life well lived. We simplify the complex choice of health coverage so that individuals and businesses can navigate their plan in a way that they feel secure, comfortable and free to focus on what matters to them. Follow us for benefits tips, industry trends, answers to common healthcare questions and more!

At WTW (NASDAQ: WTW), we provide data-driven, insight-led solutions in the areas of people, risk and capital. Leveraging the global view and local expertise of our colleagues serving 140 countries and markets, we help you sharpen your strategy, enhance organizational resilience, motivate your workforce and maximize performance.

Crane Agency is more than just an insurance broker – we're your advocate in an uncertain world. Established in 1885, Crane Agency is one of the oldest independent insurance agencies west of the Mississippi River. Our roots run deep in St. Louis, where Charles Crane, the son of a steamboat captain, embarked on a journey to protect barge owners navigating the mighty Mississippi. That journey has blossomed into a 135-year legacy of trust, stability and unwavering commitment to our community. We've come a long way since those early days. Today, we proudly embrace the ever-evolving landscape of business, blending a rich history with cutting-edge solutions. Our comprehensive suite of insurance and risk management solutions includes: ￭ Commercial Insurance ￭ Commercial Marketing ￭ Surety & Fidelity ￭ Employee Benefits ￭ Risk Management ￭ Personal Insurance ￭ Claims Consulting ￭ Safety Consulting At Crane, we understand the importance of peace of mind. That's why we're here to help you navigate the complexities of insurance and ensure that your family, business and assets are protected. Lead with confidence. Discover the Crane difference today. Connect with us to explore how we can protect your business and elevate your future.

Recruited to lead wealth management enterprise, driving sustainable growth while producing strong annualized revenue. Manage 40 direct reports representing 100+ financial advisors, CPAs, and small businesses, converting strategic initiatives into tactical plans and implementing long-range planning to align enterprise as industry leader. Restructured organization into multiple entity LLCs, managing individual P&Ls in concentrated focus areas to leverage business operations for internal asset management platform, wealth management firm, and employee benefits arm. Oversee and track revenues, commissions, expenses, and budgets and generate quarterly and annual reports to communicate with executive leadership, evaluating analytics and data-driven performance metrics to enhance decision-making, monetize acquisitions, and determine long-term strategic direction. Serve as co-founder and advisor on investment board committee in creation and management of portfolios within $300M+ investment platform to expand sales channels. Institute six sigma practices for continuous process improvements, effective communications, streamlined technology solutions, and companywide resources to benchmark consumer demand with enterprise capacity, optimizing allocations to prevent workflow disruptions. Model servant leadership in workplace environment, building collaborative teams across organizations and creating culture of empowerment and accountability to inspire career advancement to develop future leaders within values-driven organizational philosophy. ● Lead financial advisor acquisitions and created organizational framework for onboarding newly acquired companies, developing and implementing structural processes to accommodate rapid enterprise growth and deliver immediate value. ● Implemented lean operational processes to hit annual budget targets within 2% margin for 5 consecutive years. ● Doubled organization size through intelligent recruiting and development of acquired talent.

Abraham and Rose Spetner sold their first insurance policy in 1935. Together they built a business by providing affordable insurance solutions for a wide variety of needs. They established a reputation for being knowledgeable and honest, and their business grew. Although many things have changed since 1935, a third generation continues to operate Spetner with the same goals: caring about each client and providing the best solutions to every need. Whether you are looking for an individual life insurance policy, personal estate planning, benefits for many employees, human resource assistance programs, or financial services, Spetner will help you navigate the maze of insurance options to find the solution that best serves your needs. Spetner gives the same care and attention to each client. We promise to provide you the best possible benefit package for your budget. Our goal is to provide you with the benefits you need for your lifestyle. Spetner, Benefits for Life.

Based in Orlando, Florida, AssuredPartners stands as a global frontrunner in the insurance brokerage landscape, with special expertise in industry-specific insurance solutions for both businesses and consumers. We offer a comprehensive range of services, including commercial insurance, risk management, and employee benefits. As strategic advisors in the insurance domain, our unparalleled expertise empowers us to deliver tailor-made solutions designed to meet the unique needs of our clients. With a team of over 10,000 professionals, we serve clients from strategically located offices across North America, England, Ireland, Belgium, and Scotland. Committed to building strong, long-lasting relationships, we foster an environment of trust, transparency, and mutual respect with our partners. This ethos is encapsulated in our guiding principle: Power through Partnership. For further information, please visit www.assuredpartners.com.

OneDigital’s team of fierce advocates helps businesses and individuals achieve their aspirations of health, success and financial security. Our insurance, financial services and HR platform provide personalized, tech-enabled solutions for a contemporary work-life experience. Nationally recognized for our culture of caring, OneDigital’s teams enable employers and individuals to do their best work and live their best lives. More than 100,000 employers and millions of individuals rely on our teams for counsel and access to fully integrated worksite products and services and the retirement and wealth management advice provided through OneDigital Investment Advisors. Founded in 2000 and headquartered in Atlanta, OneDigital maintains offices in most major markets across the nation. OneDigital has received the Glassdoor Employees’ Choice Award for Best Places to Work in 2023. For more information, visit onedigital.com.

SJH Agency, situated in St. Louis, MO, emerges as a distinguished insurance broker, specializing in tailoring comprehensive benefits solutions for local and regional employers. With a focus on medical and ancillary benefits, this office location showcases robust expertise in addressing the unique needs of businesses in the St. Louis area. Among their notable clients, Peterson Enterprises, a key player in the industrial machinery manufacturing industry, relies on SJH Agency for benefits solutions benefiting 130+ participants. Similarly, Rottler Pest Control Company, operating in the services to buildings and dwellings industry, entrusts the broker with a program supporting 280+ participants. These partnerships underscore SJH Agency's commitment to providing effective solutions across diverse industries. As part of a reputable local brokerage firm, SJH Agency brings a wealth of experience to the table. The broker's proficiency extends to midsize employers, demonstrating a nuanced understanding of the challenges and needs specific to this market segment. Their demonstrated success in industries such as industrial machinery manufacturing and services to buildings and dwellings reflects a comprehensive approach to addressing the varied demands of their clientele. Employers in St. Louis can confidently turn to SJH Agency for tailored benefits packages and industry-leading expertise.