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

Bruce Beattie and Associates Inc., nestled in the vibrant heart of St. Louis, MO, stands as a beacon of expertise in the realm of employee benefits. This esteemed local broker is dedicated to crafting bespoke benefits solutions that resonate with the unique needs of each client. With a rich legacy of service excellence, their portfolio showcases a diverse range of clients, including the renowned Guarantee Electrical Company. At the core of their philosophy is a commitment to personalized service, ensuring that every client receives tailored advice and solutions that enhance employee satisfaction and organizational well-being. Their team, comprising seasoned professionals, leverages deep industry knowledge and innovative strategies to navigate the complexities of benefits planning and administration. Bruce Beattie and Associates Inc. is more than a broker; they are trusted partners in driving business success through strategic benefits management.

We are a team of certified, highly experienced Environmental Technicians primarily focused on Construction Quality Assurance in earthwork and geosynthetics. But, we do a lot more than CQA. We also provide technology solutions, training services and consulting. Here is a link to our site: http://www.cqasolutions.co . We would love to meet you!

Gallagher, a global insurance brokerage, risk management, and consulting firm, serves communities around the globe, helping clients address risk, protecting assets, and recovering from losses. The products and services we provide keep businesses and institutions running, and enable individuals and families to face their future with confidence. Gallagher provides retail and wholesale property and casualty brokerage, alternative risk transfer services, employee benefit consulting, and actuarial services. Gallagher also offers claims and information management, risk control consulting and appraisal services, human resource consulting, and retirement services. Follow us on social: Instagram: http://instagram.com/gallagherglobal Facebook: http://www.facebook.com/GallagherGlobal Twitter: https://twitter.com/GallagherGlobal YouTube: https://www.youtube.com/GallagherGlobal

USI is one of the largest insurance brokerage and consulting firms in the world, delivering property and casualty, employee benefits, personal risk, program and retirement solutions to large risk management clients, middle market companies, smaller firms and individuals. Headquartered in Valhalla, New York, USI connects over 10,500 industry-leading professionals across approximately 200 offices to serve clients’ local, national and international needs. USI has become a premier insurance brokerage and consulting firm by leveraging the USI ONE Advantage®, an interactive platform that integrates proprietary and innovative client solutions, networked local resources and enterprise-wide collaboration to deliver customized results with positive, bottom-line impact. USI attracts best-in-class industry talent with a long history of deep and continuing investment in our local communities. For more information, visit usi.com.

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.

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.

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.

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.

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.

Kuhlmann Group (KG) has been driving down costs and increasing quality of care for over 30 years. KG works with groups of all sizes, across all parts of the country and can customize a solution for your business today. Engaging with KG has no cost nor risk. KG is focused on saving meaningful dollars for both members and employers alike, while increasing the quality of care for your employees. The key to short- and long-term success is an educational process that sheds light on innovative healthcare solutions available in the marketplace. We will facilitate such a process and drive positive, impactful change for your organization. All our solutions come with our highly accredited benefits administration system that will make your life simpler, remove headaches, streamline communication, and ease enrollment for your employees. Typically, health insurance and employee benefits are high cost but low focus for employers, as companies tend to focus more on gross profit, revenue growth and growth management. Partnering with Kuhlmann Group will transform this large expense into a top-tier benefits program with high-quality healthcare products and extensive cost savings that improve the bottom line. KG will be in your corner every step of the way, lowering healthcare costs and ensuring high quality of care for your employees. We have delivered value for companies of all sizes and will customize our offerings to meet your needs.