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

HM Insurance Group works to protect employers and health care entities across the country from the financial risks associated with catastrophic health care costs. With nearly 40 years in the market, HM Insurance Group is among the top carriers nationally for Stop Loss insurance, protecting self-funded clients from the financial loss associated with unexpected large or catastrophic claims. Similarly, HM Insurance Group's Managed Care Reinsurance product line delivers optimal coverage for the financial protection of risk-bearing entities such as HMOs, health plans, and provider organizations. Headquartered in Pittsburgh, the company has offices in 18 locations nationwide, and is licensed in 50 states and the District of Columbia.

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.

Customized Benefits Solutions Our team partners with businesses to revolutionize employee benefits plans The key to growing your business is minimizing risk and maximizing reward. Our benefits and HR consultants utilize tactics that will increase your bottom line. Employee Benefits, Human Resources, Compliance, and Technology About Us: Someone once told us that our process was, well, different. And that’s because it is. We walk into meetings with one objective in mind: to learn more about you. What challenges are you facing? What goals do you have for the future? What are your ideal outcomes? We don’t assume we are the best fit, and we definitely don’t pretend to know more about your business than you do. Your kind of custom No two companies are the same. No two solutions are the same. That’s why after we understand what you are trying to accomplish, we design a custom plan to get you there. It’s all about the team Two brains are better than one. Two teams are better than one. That’s why our team works closely with your team so that whenever collaboration is needed, it’s only a phone call away. (or email, or facebook message.)

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.

Cammon Company, a local brokerage firm based in St. Louis, MO, stands out as a prominent provider of insurance brokerage services, particularly adept at catering to the diverse needs of both small and midsize employers. Their office, characterized by its substantial size, is well-equipped to handle complex insurance needs, demonstrating a remarkable ability to support local and regional employers with tailored insurance solutions. Notably, Cammon Company has garnered a strong reputation in working with self-funded clients, showcasing their proficiency in managing intricate financial structures. Their expertise spans a variety of industries, with a particular focus on educational services, retail trade, and religious, grantmaking, civic, professional, and similar organizations. This wide-ranging expertise ensures that they can offer customized insurance solutions across different sectors. The company's portfolio includes notable clients such as John Burroughs School, an educational services provider in Missouri with over 150 participants, and Mary Institute and Saint Louis Country Day School, another major player in the educational sector in Missouri, catering to over 260 participants. Furthermore, their client list extends to the Private Education Employers' Trust, a significant entity in the religious and professional organization sector, serving over 1020 participants. Cammon Company's ability to effectively serve a diverse client base, coupled with their deep understanding of various industries, positions them as a reliable partner for employer benefits. Their strategic approach and tailored solutions make them a top choice for employers seeking comprehensive and customized insurance brokerage services.

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.

SJH Agency, situated in St. Louis, MO, emerges as a distinguished insurance broker, specializing in tailoring comprehensive benefits solutions for local and regional employers. With a focus on medical and ancillary benefits, this office location showcases robust expertise in addressing the unique needs of businesses in the St. Louis area. Among their notable clients, Peterson Enterprises, a key player in the industrial machinery manufacturing industry, relies on SJH Agency for benefits solutions benefiting 130+ participants. Similarly, Rottler Pest Control Company, operating in the services to buildings and dwellings industry, entrusts the broker with a program supporting 280+ participants. These partnerships underscore SJH Agency's commitment to providing effective solutions across diverse industries. As part of a reputable local brokerage firm, SJH Agency brings a wealth of experience to the table. The broker's proficiency extends to midsize employers, demonstrating a nuanced understanding of the challenges and needs specific to this market segment. Their demonstrated success in industries such as industrial machinery manufacturing and services to buildings and dwellings reflects a comprehensive approach to addressing the varied demands of their clientele. Employers in St. Louis can confidently turn to SJH Agency for tailored benefits packages and industry-leading expertise.

Sunstar Insurance Group is a financial holding company that seeks to acquire majority equity ownership positions in independent insurance agencies that are located in our geographical footprint and which would be compatible with our entrepreneurial sales culture and partnership management philosophy. The Sunstar corporate vision is to be recognized as the premier regional insurance agency in our market area by providing exceptional service, professional expertise, trusted advice and competitively priced insurance products to our clients. We will strive to be acknowledged as the best in industry class by our core constituencies who are the company’s employees, clients, underwriters and shareholders.