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Overview of the Program From Senior Market Sales, Inc. Senior Market Sales, Inc. (SMS) offers a broad agent-focused distribution platform for Life, Long-Term Care (LTC), Senior Health, Dental, Annuity, Travel and War Risk Insurance. The centerpiece of SMS' agent technology is the SMS Agent Advantage system — a suite of online tools, services, rewards and incentives that give agents fast access to quotes, forms and carrier materials. SMS combines national marketing experience with proprietary web technology to streamline placement, reduce marketing costs and support cross-selling opportunities for producers working with senior and individual clients. SMS Agent Advantage — key agent services Free 24/7 agent access to quotes and forms for Term and Universal Life, MedSupp, LTC, Dental and Travel products Enhanced website content and product pages for Life, MedSupp, LTC, Dental and Travel lines Agent/agency website quote engines for Term Life, Dental, Travel and Medicare Supplement Pre-underwriting services for Life and LTC to speed placement and improve fit Impaired risk life underwriting for nonstandard cases Loyalty rewards, trips and incentive programs Online document library with carrier bulletins and forms Weekly status emails on all submitted business to keep producers informed Insurance lines supported SMS supports a wide range of insurance product lines; see the SMS product listing for full details: Insurance lines. Life insurance — Term, Whole, Universal, Senior Life, Final Expense / Pre-need, Mortgage Life, Single Premium, Juvenile, Group/Worksite Annuities Long-Term Care — Individual and Group/Worksite Medicare Supplements Dental insurance — Senior dental, individual and worksite Travel insurance and international Life, Health, Disability, AD&D, plus War Risk Medical & AD&D Defense Base Coverage (workers' compensation solutions for U.S. government contractors overseas) Ideal Accounts and Typical Appetite SMS is tailored for independent agents and brokers who place individual and senior-focused business. Typical accounts that fit well include: Seniors shopping for Medicare supplements, senior dental or final expense coverage Individuals and families seeking term or universal life to cover mortgages, education or legacy needs Clients needing stand-alone or group long-term care solutions Travelers and contractors requiring international medical, AD&D or war risk coverage Impaired-risk life cases that need specialized underwriting attention Cases that often do not fit well are large commercial group programs outside SMS’ senior and individual focus, or highly complex commercial lines better suited to a dedicated carrier or large brokerage practice. Coverage Highlights and Advantages Broad product shelf across life, annuity, LTC, Medicare Supplement, dental and travel lines — useful for cross-sell opportunities. Pre-underwriting and impaired-risk underwriting increase placement success on substandard lives and complex LTC scenarios. Online quote engines and document libraries speed proposal turnaround and reduce administrative overhead for producers. Weekly submission status updates help agents manage pipelines and client expectations without extra follow-up. Underwriting Notes and Minimum Premiums Underwriting varies by carrier and product. SMS’ pre-underwriting services can help identify best-fit carriers and reduce declines for life and LTC submissions. For impaired-risk life cases, SMS works with underwriting resources experienced in nonstandard health conditions. Minimum premiums and specific product underwriting rules depend on the carrier and state. Agents should verify minimum premium thresholds and product availability when preparing a submission. Territories and Availability SMS markets are available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability and product approval vary by state and carrier — confirm licensing and appointments where required. Why Work With Senior Market Sales on This Business Agent-focused technology and workflow designed to reduce sell time and administrative burden Experienced underwriting support for difficult life and LTC cases Wide product access that supports cross-selling to seniors and individuals Regular communication (weekly status emails) and incentives that help build producer loyalty Example scenarios: You have a 67-year-old client shopping Medicare Supplement and senior dental — SMS can provide comparative quotes, product pages and enrollment materials to streamline the sale. You’re placing a substandard life case with a recent medical history — SMS’ impaired-risk underwriting and pre-underwriting services can identify carriers and improve the chance of offer. Frequently Asked Questions What types of accounts are a good fit for the SMS program?Individual and senior-focused accounts are best: Medicare Supplements, senior dental, final expense, individual life and annuities, LTC and travel/war-risk coverage. SMS also handles impaired-risk life cases and group/worksite LTC and dental in many states. How do I access quotes, forms and carrier bulletins?Agents use the SMS Agent Advantage system for 24/7 access to quotes, enrollment forms and carrier documents. The system includes online quote engines for Term Life, Dental, Travel and Medicare Supplement products. Does SMS help with underwriting for difficult cases?Yes. SMS offers pre-underwriting services for Life and LTC and has resources for impaired-risk life underwriting to improve placement chances for nonstandard cases. Are these products available in my state?Availability varies by carrier and product. SMS supports the states listed above, but agents should confirm product approval and appointment requirements for the specific state and carrier before submitting business. Need help placing an account? Connect with a market specialist.

Overview — Actuaries Errors & Omissions (E&O) Program Preferred Concepts LLC offers agents access to a specialized actuary professional liability (Errors & Omissions) program through Mercator Risk Services. This program targets actuarial consultants, in-house actuaries and other insurance-related actuarial professionals who need professional liability coverage. The market for actuarial E&O is selective; Mercator works with multiple carriers and underwriting teams to place accounts that many standard markets will not accept. Who this program is built for Mercator Risk Services has experience placing proposals for a range of consulting accounts, including but not limited to: Pension actuary Actuarial consultant with concentration in medical malpractice Actuary employed by an insurance brokerage operation for rate development Coverage focus and advantages Targeted E&O wording tailored to actuarial exposures, including professional advice, data analysis and rate development. Access to multiple admitted and surplus lines carriers to increase placement options for difficult or niche risks. Underwriters experienced with actuarial practices and the professional services exposures that accompany consulting, brokerage and in-house actuarial work. Ability to consider accounts with prior claims, financial impairment, or unusual risk characteristics that standard markets often decline. Ideal accounts and appetite This program is a fit for insurance agents and brokers placing: Independent actuarial consultants and small consulting firms In-house actuaries working for brokers or carriers where the exposure involves rate development, reserving or consulting advice Actuarial specialists who support medical malpractice programs or other healthcare exposures Generally, Mercator will consider both routine and hard-to-place actuarial accounts. Accounts with significant claims history, insolvency concerns, or high-severity exposures should be presented with full details; Mercator evaluates these on a case-by-case basis and has solutions for distressed or distressed-appearing accounts. Underwriting notes Mercator can usually start a submission using your existing application (except renewals), or they can provide a specialized application for actuarial accounts. Important submission items typically include a description of services, firm size and staffing, prior acts and claims history, sample engagement letters, and financial information when relevant. Minimum premiums and specific terms vary by carrier and risk profile. Hard to Place: Mercator routinely handles hard to place, distressed and unusual accounts. If your client has claims, adverse financial information, or an unusual scope of services, include full details up front so they can provide appropriate options. Territories and availability This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability and admitted/non-admitted options may vary by state and carrier. Practical examples You might have a client who is an independent pension actuary providing funding advice to multiple small employers — this program can consider such firms for professional liability protection. You may represent an actuary who performs rate development for a specialty brokerage and has a prior minor claim — Mercator can evaluate and often place these harder-to-place risks. How to submit and contact Preferred Concepts LLC connects agents with Mercator Risk Services to evaluate actuarial E&O placements. For more information, please call (860) 527-9717 or send an e-mail to [email protected]. You can get additional information on their products, insurance applications, and Specialty Lines insurance information on their Web site www.mercatorpro.com. Frequently Asked Questions What types of actuarial accounts are a good fit for this program?This program is designed for independent actuarial consultants, pension actuaries, actuaries working for brokerages on rate development, and specialists in areas such as medical malpractice. Mercator can also consider accounts with non-standard features on a case-by-case basis. Can you place accounts with prior claims or financial issues?Yes. Mercator has experience handling hard-to-place and distressed accounts, including those with prior claims or financial impairment. Provide full details in the submission so underwriters can assess options. What application materials will underwriters need?Typical items include a description of services, client list or engagement types, prior acts/claims information, sample engagement letters, and basic financial or staffing information. Mercator can often work from your standard application or provide a tailored application. Are policies available admitted or surplus lines?Mercator works with a variety of markets and can access both admitted and non-admitted (surplus) solutions where appropriate. Availability depends on the state and the individual risk characteristics. How do I begin a submission through Preferred Concepts LLC?Start by preparing a concise submission with the items noted above and contact the Mercator team via the provided phone or email. They will guide you on the appropriate carriers and next steps for underwriting. Need help placing an account? Connect with a market specialist.