Among many advantages enjoyed by clients of VTC Insurance Group is the simple convenience of having a single source for every risk management need, regardless of scope or scale. We're honored to be the largest independent insurance and surety provider in Michigan, while serving clients in all 50 states. Our size also means we're better equipped to negotiate, on your behalf, the best-value coverage from top-rated carriers, with a broad menu of custom-tailored products. • Business Insurance • Surety Bonds • Employee Benefits • Personal Insurance • Strategic Risk Management • Coordinated Loss Control Services • Comprehensive Claims Management SIXTY YEARS OF UNIQUE SERVICE Since VTC Insurance Group was founded in 1957, a lot has changed. The economic landscape. Shifting regulatory and compliance forces. The sheer velocity of business, and of life. Of course, we’ve changed, too. Our company, our service lines, our carrier network, our technologies… all have expanded and improved. But from day one, the single most important factor driving that growth is the one thing that has never changed: our simple, person-to-person commitment to your success. We work hard on behalf of our customers. We anticipate their needs. And we keep our promises. Ours is a unique service philosophy. Every VTC associate is accountable to promises made, to meeting an urgent need with an urgent response, and to providing the trusted guidance that’s been our hallmark from day one. Guidance our clients count on to stay informed. Prepared. And confident for what’s next.

Founded in 1917, the E.W. Smith Insurance Agency boasts three locations. Our offices in Wyandotte, Flat Rock and Shelby Township offer a personal approach to insurance where every customer has a dedicated agent. Specializing in Personal, Business and Life Insurance we help each customer find the optimal coverage while reducing costs. E.W. Smith is proud to represent some of the largest and most trusted insurance companies including Auto-Owners, Citizens, Frankenmuth, Progressive, The Hartford, and Nationwide, among others. We compare these highly rated companies in order to present our customers with a comprehensive insurance plan at the most competitive price. We have partnered with local business owners and our neighbors for 100 years to protect not only their families but also our community.

With great intent, we put service, advocacy, technology, and training into action – to be the preferred, trusted partner for insurance agents, carriers, and consumers. We are mindful and considerate to those we connect with every day and value and respect the people and partners who share our common purpose of health and wellness excellence.

Wilson Partners (WP) is a benefits and wellness consulting practice that takes a fully comprehensive approach to the management of improved employee health and wellbeing. WP has a history of over 35 years of employee benefit and employee health and wellbeing market experience, working with Fortune 500 employers, health systems, communities, and states. Our history of providing and creating innovative solutions in the marketplace provides a unique value to our client partners and their employees. Our experience in benefits plan management, health & wellbeing strategy, plan design, cost containment strategies, and technology application distinguish us in the marketplace. This is our WPAdvantage.

EHIM is a national, privately held, woman-owned (WBENC) Pharmacy Benefit Manager and Third-Party Administrator that helps organizations proactively contain rising prescription and healthcare costs. Our hands-on approach allows us to administer the most effective benefits and pharmacy plans. We use a combination of custom formularies and engagement to promote member compliance while providing innovative solutions to manage specialty drugs and ACA requirements. We are dedicated to providing responsive and creative solutions, and standards-based best practices for our clients’ complex and dynamic requirements. If someone calls our Michigan-based call center, we answer—and our answers are supported by reviews from Clinical Pharmacists, Pharm. Ds and Physicians. We work with corporations and organizations of all sizes and have extensive experience with union negotiated benefits, retiree plans, and government entities. EHIM stays true to our promise to deliver innovative concepts and exceptional service to our clients through something we like to call The EHIM Experience. Through a unique set of approaches and designs, including our non-rebate driven philosophies, generic alternatives, and other ACA compliant initiatives, our clients can realize significantly lower pharmacy costs and support more member engagement. We achieve results that exceed expectations of the clients we service. In fact, in 2017 EHIM’s PBM clients realized a cost trend of -2.54% vs. the national average of 11.6% – that’s 122% lower. Our goal is simple, but our results are profound: EHIM provides creative solutions for complex problems. We would love to discuss our organization and how we can support yours, contact us today to learn how much you could save.

Conifer Holdings, Inc., is a Michigan-based insurance holding company. Through its insurance carrier subsidiaries, Conifer provides specialty property/casualty insurance on both an admitted and non-admitted basis throughout the United States. Conifer is an innovative company targeting niche markets with tailored products to meet the specialized needs of insureds.

LSS is celebrating 23 years of recovery servicing. Since 1997, LSS has provided solutions for insurers, self-insured entities, third party administrators and specialty risk companies as a subrogation vendor and purchaser of subrogation assets. Through the vision of our founder, Bradley J. Schram, Esq., and a strong management team, the company has experienced steady growth by maintaining strong relationships with its client partners by delivering results through our subrogation management program. Today, the company is experiencing unprecedented expansion as a premier subrogation servicing company with long standing clients and new relationships. We utilize state-of-the-art technology along with the best employees in the industry to showcase our expertise and maximize results for our clients.

West Congress Insurance Services LLC (WestCongress) is a premier provider of general liability and excess insurance solutions. We offer Excess and Surplus (E&S) lines coverage to the security, artisan contractor, and energy industries throughout the United States. Our affiliation with Champlain Insurance Group (CIG), a fast-growing, specialty E&S insurance enterprise, enables us to provide additional claims administration and management services. WestCongress regularly attends events sponsored by the Texas Surplus Lines Association, Inc. (TSLA), the Independent Insurance Agents of Houston (IIAH), and the Wholesale & Specialty Insurance Association (WSIA). To submit an application, or for more information, please visit us at www.westcongress.com. California License #0L83706​

Having been in business for nearly 45 years, M&O is the oldest and longest-standing independent marketing organization (“IMO”) in the fixed annuity industry. Founded in metro-Detroit in 1976 and originally having only marketed long-term care in Michigan and Ohio (hence, “M&O”), we have since expanded to also market fixed annuities and life insurance to thousands of independent financial professional nationwide. Just as our now-national business model has evolved, so has our marketing perspective. With today’s ever-changing pace of innovation in the financial services industry, we have grasped the keys of success developed from yesterday’s knowledge, today’s experience, and tomorrow’s vision to provide financial professionals with arguably the most versatile and cutting-edge marketing value proposition in the industry today.

With great intent, we put service, advocacy, technology, and training into action – to be the preferred, trusted partner for insurance agents, carriers, and consumers. We are mindful and considerate to those we connect with every day and value and respect the people and partners who share our common purpose of health and wellness excellence.

At MassMutual Great Lakes, we help you identify and prioritize your financial goals and objectives. Once we gather the facts and feelings related to those goals, we provide you with recommendations that are appropriate for your situation. We encourage you to meet with us on a regular basis so we can help you remain on track to reach your most important financial goals and dreams. Our financial professionals hold a strong belief that doing business the right way leads to long-lasting relationships. _____ Local firms are sales offices of Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and are not subsidiaries of MassMutual or its affiliated companies. Financial Services Representatives are independent contractors and are not employees of MassMutual, its subsidiaries, or of General Agents with whom they contract. Securities, investment advisory and financial planning services are offered through qualified registered representatives of MML Investors Services, LLC, Member SIPC.