Hi, we’re HUB. We advise businesses and individuals on how to reach their goals. When you partner with us, you’re at the center of a vast network of risk, insurance, employee benefits, retirement and wealth management specialists that bring clarity to a changing world with tailored solutions and unrelenting advocacy. So you’re ready for tomorrow. About Hub International Headquartered in Chicago, Illinois, Hub International Limited (Hub) is a leading full-service global insurance broker providing property and casualty, life and health, employee benefits, investment and risk management products and services. From offices located throughout North America, Hub’s vast network of specialists provides peace of mind on what matters most by protecting clients through unrelenting advocacy and tailored insurance solutions. For more information, please visit hubinternational.com.

The Unland Companies is a full service, independent insurance agency providing broad personal and commercial insurance coverage, life and health insurance, employee benefits, human resource services and financial services at an affordable cost. We hand pick our insurance carriers, selecting only the best. We do the shopping for you among these top carriers and find the best policy and rates to meet your individual needs. We are masters of negotiation, getting you competitive premiums and hidden savings. We work openly and honestly for you, our valued client. Simply put, Unland saves you money. And you'll like doing business with us. Request a quote, compare and save at www.unland.com.

Clemens & Associates is committed to achieving a high standard of excellence in everything we do, and you can depend on Clemens to reach that standard with skill and dedication in meeting all your insurance needs. We are one of the largest full service independent insurance agencies in downstate Illinois - with offices in Bloomington, Carbondale and Jerseyville. Our Orlando, Florida, Newnan, Georgia and Lebanon Tennessee offices specialize in transportation insurance. We have expanded our territory to include the states of Iowa, Indiana, Kentucky, Missouri, North Carolina, South Carolina, Tennessee and Wisconsin. We can write commercial truck and public auto in all 11 states. We can also write business auto and workers compensation in most of the 13 states. Clemens represents more than 45 insurance companies, providing transportation, business and personal insurance - and corporate benefits - to more than 7,000 policyholders

The Downey Group, Inc. provides high quality Life Insurance, Long Term Care, and Disability Programs for affluent individuals, families, and businesses. We work closely with you to help accomplish a variety of wealth accumulation, preservation and transfer objectives. Our clients are private company owners, entrepreneurs, families, public companies, large professional, law, accounting and medical groups, charities, and executives. We specialize in all aspects of wealth transfer, business succession, executive compensation, asset protection, and charitable gift planning. We offer cutting edge life insurance products specifically tailored to your needs, and responsive, high quality life insurance policy service. Our process starts with helping you determine your goals, mission, and objectives; it is the essential beginning point from which our process proceeds. We work as a team with your attorneys, tax and other advisors. Our focus is helping you formulate comprehensive, thoughtful solutions, of which life insurance is one component. We Look Forward To Helping You Address Your Goals. Third-party posts found on this profile do not reflect the views of M Holdings Securities, Inc. nor its Associated Persons/Affiliates, and have not been reviewed by M Holding Securities as to accuracy or completeness. This material and the opinions voiced are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what is appropriate for you, please contact me directly or consult another qualified professional. The testimonials/recommendations used may not be representative of the experiences of other clients, and they are not indicative of future performance or success. Securities offered through M Holdings Securities, Inc., a registered Broker/Dealer, member FINRA/SIPC. The Downey Group, Inc. is independently owned and operated. California Insurance License 0786018

American Income Life is a major provider of supplemental insurance benefits to working families through relationships established with labor unions, credit unions, and associations. The Company was founded with just $25,000 in borrowed capital more than 50 years ago by entrepreneur and philanthropist Bernard Rapoport. American Income Life is licensed in 49 states, the District of Columbia, Canada, and is registered to carry on business in New Zealand. AIL also has a wholly-owned subsidiary: National Income Life Insurance Company, licensed in the state of New York. American Income Life, along with our New York subsidiary National Income Life, has combined assets of more than $3 billion with more than $46.6 billion of life insurance in force in 2014. (as of 4/15) A.M. Best, one of the country's oldest and most respected insurance ratings companies, has rated American Income Life as A (Excellent) for Financial Strength (as of 10/24). American Income Life Insurance Company has a long history and rich tradition of partnering with the working family community: through national and local leaders, advocating for key issues and campaigns, and investing in a public agenda that reflects the core values of importance to all working people. If you are interested in a career where your opportunities are truly unlimited, please visit www.ailcareers.com.