The past decade has seen a noticeable shift in consumer behavior. Today, we’re living in a world where direct-to-consumer purchasing has become the status quo. We’re able to bypass third parties and directly purchase and manage a customized collection of television shows, household products, and even prescriptions on our own time and from the comfort of our own homes. It’s time for the healthcare industry to do the same and launch itself into the modern world. Vault Strategies is a leader in healthcare insurance reform and the parent company of both Precise Benefits Group, a licensed general insurance agency, and Vault Captive Insurance, a licensed insurance company. Together, we are proud to offer customized health insurance benefit packages that offer measurable value for our customers. This value comes through significant cost reduction, product innovation, customization, and improved health outcomes of those we insure. We can meet these goals based upon our corporate structure that eliminates complexity and our innovative prevention programs that work proactively to keep our clients healthy. As we continue to grow by referrals and reputation, we are excited about the opportunity to change the face of healthcare insurance for our customers throughout the country.

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

Since 1972, Dansig has built a proven reputation for providing custom insurance solutions to individuals, corporations and employers in 48 states. We are a group of skilled insurance professionals who will be your partner in managing insurance costs, reducing risk, and keeping employees productive.

For over 100 years, First Mid Insurance Group (FMIG) has offered relationship-focused risk management advice and service. We are a nimble, growing, bank-owned agency committed to the stakeholders and the communities we serve. We are the largest and most diverse bank-affiliated agency in Illinois, serving clients nationally through six offices in Illinois and St. Louis/Metro East region. Through our bank and affiliated partners, we can connect our customers with lending, cash management, wealth management, and land management and brokerage through our Ag Services division, the largest farmland manager in Illinois. We offer a broad range of risk management services and expertise to align specifically with each of our customers’ needs in various industries and coverage areas including: • Agriculture • Construction/Manufacturing • Surety/Bonds • Financial Services/Financial Institutions • Utilities • Non-Profits (Public and Private) • Healthcare (hospitals/Provider Groups) • D&O and EPLI • Cyber Risk Insurance (For Public and Private Companies - Any Industry) Our group health and benefits professionals provide employee benefits/ASO structures, fully-insured structures for groups for 1-5000 employees and claims analysis and HR consulting services. Our risk management consultants can provide independent/third-party insurance risk consulting services in benefits and P&C coverages as well. Our relationship managers guide individual/retail insureds through complex risk management decisions from personal insurance solutions in home and auto coverage to individual medical plans. We are an expert broker of individual Medicare-related products through our Senior Solutions division that assists Medicare-eligible consumers throughout several states with their insurance and planning needs.

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

First Mid Bancshares, Inc. is a community-focused organization headquartered in Mattoon, Illinois. First Mid offers customers Banking, Insurance, Wealth Management, and Ag services throughout Illinois, Missouri, and Texas. Member FDIC | Equal Housing Lender Security products and/or insurance services are not insured by the FDIC, are not deposits or obligations of the bank, are not guaranteed and may lose value. https://www.firstmid.com/social-media-community-guidelines/