First Solutions Insurance Services is a comprehensive, independent insurance agency located in Central California. We have built our reputation on a high standard of dedicated service, professionalism and commitment to educate and empower our clients. Our office provides superior support and competitive advantages to our clients by offering business insurance solutions including individual, employer paid and voluntary plans. Today, First Solutions Insurance Services is led by a team of seasoned managers having over 50 years of combined experience in strategy development and execution. First Solutions Insurance Services has specialized in the most sophisticated insurance plan designs and possesses expertise in the following markets: -Medical -Dental -Vision -Life -Long-Term Disability -Short-Term Disability -Long-Term Care -Individual Life and Disability Programs -Medicare Health Plans -Individual Long-Term Care Plans -Wealth Transfer for Individuals and Businesses -Personal and Business Insurance -Non-qualified Executive Compensation and Benefit Planning 4550 California Ave. STE 150 Bakersfield, CA 93309 (661) 325-3005 www.kernhealth.com CA LIC. # 0E22502

Birchall & Hampton, located in the heart of Oklahoma City, OK, stands out as a distinguished local brokerage firm, especially proficient in catering to the unique needs of midsize employers. Their specialization in medical and ancillary benefits is a testament to their deep understanding of the local and regional business landscape. This particular expertise is crucial in today’s dynamic healthcare environment, providing tailored solutions that meet the specific needs of each employer. The firm's prowess is not just limited to the realm of health benefits. They exhibit extensive knowledge across various insurance carriers industries, which allows them to offer comprehensive insurance solutions that are both innovative and effective. This versatility is a significant advantage for businesses seeking a one-stop solution for their insurance needs. One of the notable highlights of Birchall & Hampton's client portfolio includes their collaboration with Delta Dental Plan of Oklahoma, a prominent player in the insurance carriers industry. The successful management of over 140 participants in this project showcases their capability to handle complex and large-scale insurance requirements with ease and expertise. As a local brokerage firm, Birchall & Hampton brings a personalized touch to their service. They understand the nuances of the Oklahoma City market, enabling them to provide more relevant and customized insurance solutions. This local insight, combined with their broad industry expertise, makes them an ideal partner for businesses looking to navigate the complexities of employer benefits with confidence and clarity. In summary, Birchall & Hampton’s blend of local knowledge, industry-wide expertise, and proven track record with midsize employers makes them a top choice for businesses in Oklahoma City seeking comprehensive and customized insurance solutions.

USI Insurance Services in Williamsport, PA, stands as a trusted partner for employers seeking comprehensive insurance solutions. Specializing in medical and ancillary benefits, their seasoned team demonstrates notable expertise, catering to the unique needs of local and regional businesses. With a focus on fostering strong relationships, USI has become a go-to resource for employers in various industries. Among their distinguished clientele, USI proudly serves Muncy Homes, a key player in residential building construction with over 160 participants. Additionally, they support Susquehanna Community Health and Dental Clinic, an office of dentists in PA, boasting an impressive 80+ participants. This success underscores USI's proficiency across diverse sectors, including residential building construction and dental services. Being part of a prominent national insurance brokerage firm, USI in Williamsport leverages extensive resources to provide tailored solutions. The depth of their industry knowledge, coupled with a commitment to client satisfaction, positions them as a reliable ally in navigating the complexities of employee benefits. For employers in Williamsport and beyond, USI Insurance Services stands as a local force with national backing, ensuring peace of mind and comprehensive coverage.

We are redefining the role of your benefits broker! Founded in 1987, Stern Insurance Group, Inc. has been built on a tradition of integrity, industry leadership, and experience successfully growing to become one of the largest independent insurance brokers in the Country. We understand the changing needs of our clients so we have invested in the resources to ensure we deliver thoughtful strategic planning, valuable professional services and technology-based solutions that result in complete customer and employee satisfaction. Our sole focus is on employee benefits including the following products: medical dental, life, vision, corporate sponsored healthcare benefits, pensions, life insurance for investment funding, buy and sell agreements and key persons, disability insurance for group and individual needs, retirement products, and an extensive line of individual insurance products. “We’re not satisfied with business as usual. The fact is, any insurance agent can get you a quote. We think employers deserve more so we invest in the resources to ensure their success. Our clients complete satisfaction is our sole focus."​

csONE Benefit Solutions. It's what we do. At csONE Benefit Solutions, we specialize in customizing solutions for our producers and their clients. Trusted Insurance Carrier Partnerships csONE Benefit Solutions has an extensive portfolio of Carrier Relationships with highly respected reputations and recognizable names. They are known for their dental, life & disability products. Benefit Communication & Enrollment Support csONE Benefit Solutions offers a unique approach to the benefits education and enrollment process. Our materials are custom designed to ensure employees understand the benefits they currently have, the benefits available to them, and their specific cost. The csONE Team meets one-to-one with each employee to educate, discuss options, and offer guidance through the enrollment process. This is what we do: • Customized Announcement Letters • Personalized Summaries of Benefit Options • Group Education Meeting Presentations. • One-to-One Benefit Consultations • Ongoing Service is part of our solution Client Focused Customer Service We provide real customer service whether you need to talk to an actual person or prefer digital technology through our website or mobile app. Each group is assigned an analyst who stays with the group from implementation, onboarding, education to enrollment. After enrollment, we remain committed to ongoing service.

We work hand-in-hand with businesses to precisely design benefits plans that match their needs and drive down costs. With over 50 years of combined experience and unmatched expertise in the ever-changing benefits industry, we make sure our clients have the information and the guidance to make the best choices for their situation, regardless of the carrier or provider. Personal attention for your entire business. Our staff works for you, not for insurance companies or investment funds. Our only job is making your peace of mind easier. Our most important policy is our individual commitment to cover every detail our entire team can think of, not just the ones you already worry about. • Medical • Vision • Dental • Life • Disability • Telemedicine • Accident/critical Illness • Voluntary Benefits • Health Savings Account • E-enrollment • MEDICARE • Compliance Customized solutions. We learn your priorities first. We’ll ask you what is important to you now and what do you hope for the future. Your business commitments may impact your personal choices, and your health concerns may require unique investment strategies. Your retirement goals may shape your current benefits negotiations, or your commercial investments may allow you more freedom in your personal long term care options. Year ‘round care - not just at enrollment. When the unexpected happens, who’s got your back? We are here for you throughout the year. Our team invests in extensive education to follow legislative and commercial issues that can have big impact on your employee benefits any time. We work hard so that you can rely on us to be the experts you need. • New hire education is available when you need it. No need to make your employees wait. • Legislative updates throughout the year for employees and owners. • Employee education is just a phone call or email away!

B. Wood Insurance specializes in employee benefits as well as individual lines of coverage that include medical, life, disability, long term care, dental and vision insurance. Our agency was built the old fashioned way, with hard work, honesty, and dedication to excellence. We believe in personal relationships, following up with top shelf customer service and having access to the best insurance carriers. We are not a web-based sales organization and encourage you to engage us to discuss your needs. Our staff is focused on making your problems ours so that you can focus on running your business. We’ll help you build a program that will allow you to recruit, retain and reward the best employees in the market. We look forward to showing you how we do things differently than most other brokerages.