World’s Influential Leaders Shaping The Future of Insurance Industry, 2023

1. Vol. 11 | Issue 07 | November 2023 www.worldsleaders.com World’s Influential LEADERS Shaping The Future of INSURANCE Industry, 2023 Founder & CEO E Powered Benefits David David Contorno Bringing Positive Change and Transparency to a Health Insurance World

4. World's Inuential Leaders Shaping The Future of Insurance Industry, 2023 Taking New Approach in the World of Insurance Given that the nature of work has altered significantly over the past two years would be an understatement. Senior executives are investigating new personnel strategies that are in line with employees' requirements and preferences, even though the insurance business reacted to the most recent developments quickly and nimbly. Ultimately, this is a long-term issue. In order to ensure that we have a large pool of skilled leaders in the future, new strategies must be adopted now. decided to take a different approach and established a fully transparent, anti-BUCAH (Benefits, Underwriting, Claims, Administration, and Healthcare) brokerage. The main focus of his brokerage is to create health plans that empower employers to control costs and prioritize high-quality, affordable care for all the covered patients. Rethinking the workplace is necessary for insurers to draw in, keep, nurture, and promote talent. It is a challenge for senior executives to balance meeting the requirements and preferences of their workforce with maintaining team engagement and productivity. The way insurers employ has to adapt, and they must consider situations where remote and hybrid work well. They also need to put their business up for long-term success by preparing for the workforce of the future. David's accomplishments in transforming the US healthcare system have not gone unnoticed. He has been honored with prestigious awards, including Forbes Most Innovative Insurance Broker, BenefitsPro Broker of the Year, and Validation Institutes Advisor of the Year. His work has been featured in several New York Times Best Selling books, and he is a sought-after speaker, educating audiences nationwide on delivering high-performance health plans to employers. World's Leaders latest edition “World's Influential Leaders Shaping the Future of Insurance Industry, 2023” has created a list of insurance leaders that have been successful in leading some of the top organizations working in industries. The cover has David Contorno, Founder & CEO at E Powered Benefits, a trailblazing figure in the insurance industry. He was one of the first to raise his voice against traditional insurance carriers and the negative impact they have on employers, clinicians, and patients. Having a wealth of experience in agency ownership, David previously ran successful consulting firms. However, he Also, while you flip through the pages, don't forget to read the articles created by our in-house editorial staff and industry experts. Have a lovely read!

5. CREDIT PAGE Editor-in-Chief Steve Sanchez Managing Editor Jagdish Chincholikar Executive Editor Nicole Williams Assistant Editor Gayatri Bhujbal Art & Design Director Jack Anderson Business Development Manager Mia Oliver Business Development Executive Natalie, Jerrey Associate Designer Kevin Rust Digital Marketing Manager Victor Clarke Sales Manager Megan Morgan, Irfan Shekh Marketing Manager Tom Swann Technical Specialist Barry Jones Circulation Manager Danny Parker November 2023 3296 Westerville Rd #250, Columbus, OH 43224, USA Copyright 2023 WORLD’S LEADERS, All rights reserved. The content and images used in this magazine should not be reproduced or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without prior permission from WORLD’S LEADERS Reprint rights remain solely with WORLD’S LEADERS. Follow us on :

6. CO VE R STO R Y 08 D a vi d Co n t o r n o Bringing Positive Change and Transparency to a Health Insurance World

7. 16 Adam Rimmer Anne-Marie Chang 20 24 Dr. Kaenan Hertz 28 Julia Miller Spracklen Marc Gravely 32 36 Matthew F. Power MSU Federal Credit Union 42 46 Newton Queiroz Tracy Valko 50

8. BRINGING POSITIVE CHANGE AND TRANSPARENCY TO A HEALTH INSURANCE WORLD 08 | November 2023

9. worldsleaders.com | 09

10. 10 | November 2023

11. avid Contorno, Founder & CEO at E Powered Benefits, is a trailblazing figure in the insurance industry. He was one of the first to raise his voice against traditional insurance carriers and the negative impact they have on employers, clinicians, and patients. Having a wealth of experience in agency ownership, David previously ran successful consulting firms. However, he decided to take a different approach and established a fully transparent, anti-BUCA (Blue Cross, United, Cigna, and Aetna, the 4 largest carriers in the US) brokerage. The main focus of his brokerage is to create health plans that empower employers to control costs and prioritize high-quality, affordable care for all the covered patients. David's accomplishments in transforming the US healthcare system have not gone unnoticed. He has been honored with prestigious awards, including Forbes Most Innovative Insurance Broker, BenefitsPro Broker of the Year, and Validation Institutes Advisor of the Year. His work has been featured in several New York Times Best Selling books, and he is a sought-after speaker, educating audiences nationwide on delivering high- performance health plans to employers. Stepping in Insurance Sector David's journey in the insurance industry began early, as he started telemarketing life insurance at the age of 12. By the time he turned 17, he was already selling traditional health plans to small employers in the NYC area. With dedication and hard work, he successfully grew an agency, employing over 15 people and generating around $1.2 million in revenue. In 2007, David made the decision to relocate to North Carolina and venture into a new agency. thing remained constant - his clients' reluctance to meet for their annual renewal meetings. Most of the time, these meetings brought bad news for the clients. But what truly became challenging for David was having to convey to his clients' employees that their out-of-pocket expenses would increase, benefits would decrease, and more money would be deducted from their paychecks. This was a difficult message to deliver. insurance industry believed that more insurance was the solution to the problem his clients faced. He saw it differently, recognizing that his clients had an insurance problem, and simply selling more insurance didn't seem like the right answer, except to those that benefit from selling insurance. He understood that many brokers earned commissions, and as premiums rose and more insurance policies were sold, they made more money. It became apparent to him that these brokers were insurance salespeople, and even though they may appear to work for the clients, the reality was that they were being paid by the insurance carriers. This experience gave David a unique David noticed that some traditional brokers attempted to alleviate the situation by offering additional insurance products like Aflac, claiming that it would reduce certain out-of-pocket expenses. However, this approach didn't sit well with him. He questioned why the Over the years, his new agency flourished, and by 2013, it was generating double the revenue compared to his previous agency. However, despite the success, one worldsleaders.com | 11

12. perspective, as he knew firsthand the dynamics of the industry and the potential conflicts of interest. David finds it hard to accept the excuse that it's too difficult to publish pricing and quality information. He draws a comparison to Amazon, which manages to display pricing and quality details for a vast array of products, even with pricing changes happening every 10 minutes. He's witnessed hospital and carrier executives claim that revealing this information would lead to unfair competition and higher prices, which he finds quite audacious. He questions where transparency in any other sector of the economy has led to such negative outcomes, asserting that, in reality, transparency tends to have the opposite effect. Challenging the Status Quo In his professional life, David adopts a contrarian or challenger sale approach. When discussing complex topics like healthcare and health insurance, convincing people to move away from traditional health plans can be quite challenging. At least that's how it seems. When David first started exploring alternative paths to building health plans, he focused on his solutions. However, he soon realized that these solutions didn't resonate effectively. It took him a few years to understand the reason behind this - solutions to a problem lack appeal when one doesn't fully comprehend the problem itself. Offering Assurity E Powered Benefits specializes in building innovative health plans, and their primary focus is teaching others in the industry how to create similar plans. These health plans achieve remarkable results that may seem unattainable to most employers. In the first year alone, these plans can reduce the total cost by 35%, with ongoing double-digit decreases in subsequent years. During his initial meetings with employers, David typically highlights how the US Healthcare system's quality declines while costs increase over time. He emphasizes that succeeding in such a rigged system is an uphill battle. On a personal note, David's approach contrasts with his professional demeanor. He dislikes confrontation and animosity, preferring a romantic and family-oriented lifestyle. He enjoys experiencing events like travel, Broadway shows, concerts, or relaxing by the pool with his wife and 4 children. One of the key features of their plans is that employees have the freedom to choose any healthcare provider they prefer. However, if they opt for providers recommended by the clinical team behind E Powered Benefits, who have direct contracts with high-quality, transparent providers, the employees' out-of-pocket expenses are waived, and they pay nothing. Instead, the plan covers 100% of a smaller cost. In contrast, if employees choose to go to other providers, they will have reasonable out- of-pocket expenses to bear. Passion for Bringing Change David is passionate about fixing a system that he believes isn't broken, despite what many people think. He often emphasizes that the system is actually functioning exactly as it was designed to, except it wasn't designed by patients, employers, or doctors. Consequently, it's not working well for these three groups, but it's highly profitable for most other entities involved. E Powered Benefits extends this cost-saving approach to medications as well. By eliminating intermediaries and sourcing medications directly from manufacturers, they can significantly reduce the cost of drugs. In some cases, this can result in a cost reduction of 70% to 100%, even making expensive drugs available for free. This substantial cost reduction provides much-needed financial relief to hardworking families grappling with health conditions, enabling them to afford better disease management while retaining their health coverage. He strongly values the idea that when someone requires medical care, they should receive the highest quality of care possible, and it should be affordable regardless of whether they have insurance or not. However, there are two critical areas where the system has been slow to progress for decades: providing cost and quality information. 12 | November 2023

13. worldsleaders.com | 13

14. 14 | November 2023

15. Despite popular belief, E Powered Benefits advocates that most Americans could be better off without paying premiums and instead paying for medical services directly. They highlight that health insurance does not inherently make healthcare more affordable. In fact, presenting a health insurance card often obligates the plan and the member to pay the highest prices in the US healthcare system. Team and Organization In E Powered Benefits' approach, both in plan administration and from the employer's perspective, teamwork takes precedence over individual heroics. David frequently emphasizes that in a group health plan, which includes all employer plans, any unnecessary payouts made on behalf of one individual or their family don't just impact them alone. Instead, it affects every other member covered under the plan. Showing Path for Inspiring Leadership David's advice to someone stepping into a leadership position for the first time is to be brave. He suggests that “if you strongly believe in something, truly understand it, and recognize how it can benefit others, find a way to turn your passion into a profession. Align your work with your values and the people you aim to serve. It's essential to monetize your endeavors in a manner that supports the interests of those you claim to help. If your revenue model is not aligned with those you purport to serve, much like the US Healthcare system, it will not lead to success on a larger scale. So, strive to combine your passion, understanding, and financial goals in a way that benefits both you and those you lead.” worldsleaders.com | 15

16. Adam Rimmer Rimmer Co-founder & CEO | FloodFlash Adam 16 | November 2023

17. Protecting Those the Insurance Industry has Left Behind T he New York Metropolitan Transport Authority (MTA) found it extremely challenging to renew their ood coverage following the massive ooding brought on by Hurricane Sandy in 2012. They developed a novel kind of insurance with the aid of Adam Rimmer and Ian Bartholomew: this "parametric" policy would pay $200 million if the water level in the New York harbor rose over a specic depth rather than pay out depending on damage. They were aware that those with smaller budgets may also benet from this type of insurance. When the pair founded FloodFlash, their goals were to make event- based insurance accessible to everyone and to guarantee that everyone could recover from disaster. need it most.““ Three years later, we are even more dedicated to providing fast, exible, and affordable ood insurance to the people that worldsleaders.com | 17

18. Below are highlights of the interview conducted between World's Leaders and Adam Rimmer: We developed insurance that paid $200 million when water was measured at a certain depth on the Hudson. This was the point when flooding would inundate the metro and cause huge losses. Describe your background and what did you do before you started/joined the company? Both I and my co-founder Ian have science backgrounds, having met at Cambridge University. Our paths crossed again at the at-risk management company RMS, where we worked together for several years. In that time, we structured and modelled triggers on over $2bn of parametric insurance product and catastrophe bonds to protect governments and large corporations in the US and around the world. We realised that we could use the same principals to provide insurance to the mass market. We set about developing a scalable platform that uses IoT technology and a cloud- based underwriting platform to provide parametric insurance to those that need it most. FloodFlash has already helped thousands of businesses in the UK, with US and international launches on the horizon. Tell us about the inception of the company. How did it all start? I first saw the potential of parametric (or "event-based") insurance while working at RMS, the world's largest catastrophe modelling firm. Whilst there, I worked with FloodFlash co- founder Ian on parametric triggers worth millions of dollars. These catastrophe bonds were a means of transferring risk for large governments and corporations. Which are the major services of the company and how do the company to get ahead in the competition? What value-added services does the company provide? FEMA estimates that 90% of businesses that don't reopen within 5 days of a flood will close within a year. FloodFlash provides two fundamental services to help people at risk of flooding. First, it provides cover even when the traditional market can't. Secondly, we pay claims within days of the flood occurring. We have four company values at FloodFlash that came from us asking the question: when are we at our best? Own the Outcome is all about taking responsibility for projects, communicating throughout, and seeing them through. We always use evidence to make sure that we are using real-world information to understand problems and challenge the status quo. We believe in being helpful and ensure that we respect and value those we work with, our colleagues, and those we work for, our brokers and clients. Finally, Be Brave is the value that encourages Unfortunately, they weren't helping the millions of homeowners and small businesses that couldn't get flood insurance through traditional means and who didn't have the funds for detailed risk support. In terms of flood losses, that's a $58bn problem every year, and it's only getting worse thanks to climate change and urbanisation. Put together, these give us a huge advantage in making sure that when businesses flood, they reopen quickly – guaranteeing their long-term survival. What are the most important aspects of a company's culture? What principles do you believe in and how do you build this culture? Ian and I were working on a catastrophe bond for the New York Metropolitan Transport Authority. 18 | November 2023

19. Thinking about how we can use the resources that are available in new and disruptive ways is as important as inventing products and processes from scratch. Give us your opinion on; do organizations rely heavily on individual heroics or team processes? Heroes are great for movies. It can be convenient to point to one particular genius for storytelling, PR (or even fundraising) purposes. In the real world, they rarely make a meaningful impact without a great supporting cast. Bringing a new insurance product to the market takes a large cast with many diverse talents. The cliché of "it takes a village" applies here in spades. One of the things that we work hard at within FloodFlash is hiring people with different experiences so that they can bring fresh thinking. When a cast of experts came together, that's when our business became more than the sum of its parts. autonomy and freedom in our team to help solve one of the biggest problems facing the world right now—the economic impacts of climate change. our mission to help more people recover from catastrophic flooding. That said, it's important that we don't innovate for the sake of it. Many of the things that mark FloodFlash out, like our IoT sensor or insurance product, are a collection of existing technologies applied in new ways. What is the significance of innovative ideas in the company? Put simply, without innovative thinking, FloodFlash wouldn't exist. We have amazing minds from different disciplines, including insurance, hardware, and products. Every day we challenge each other to help solve a problem that no one has managed to solve before. Without innovative ideas, we will fall short of worldsleaders.com | 19

20. Anne-Marie Anne-Marie Chang Chang Symmetry Financial Group 20 | November 2023

21. About Symmetry Financial Group A nne-Marie Chang, an extraordinary individual, has achieved remarkable success in the insurance industry. Despite her background in technical analysis within the Oil & Gas sector, Anne-Marie fearlessly transitioned her career by joining Symmetry Financial Group as an independent broker. This decision marked the beginning of her insurance journey in August 2018, and since then, she has achieved outstanding accomplishments that set her apart from her peers. Symmetry Financial Group strives to fulfill its mission of offering coverage that empowers individuals to lead the life they desire in the face of unforeseen circumstances. The company's team comprises independent brokers who are state licensed representatives, granting them the flexibility to explore a wide range of options. This freedom allows Symmetry Financial Group to provide clients with an extensive selection of coverage choices and competitive prices tailored to their family's specific requirements. Currently serving at Symmetry Financial Group, Anne-Marie and her team have helped secure insurance coverage for over 750 families, with a total value exceeding $67 million. Anne-Marie is deeply passionate about assisting families in safeguarding their future. She firmly believes in the value that insurance brings to people's lives, dedicating herself tirelessly to help her clients comprehend this significance. Beyond her impressive sales record, Anne-Marie is an exceptional leader committed to the success of her team members. While raising her 18-month-old daughter, Penelope Audrey, and supporting her stepchildren with her husband, she invests a significant portion of her time into team-building and nurturing future leaders. Utilizing their extensive network, Symmetry Financial Group can act on behalf of clients and leverage relationships with over 30 esteemed insurance companies. This enables them to curate personalized plans that align with the unique needs of each client and their family. With their expertise and access to multiple reputable providers, Symmetry Financial Group is confident in their ability to design the best-suited insurance plan for individuals and their loved ones. Anne-Marie is currently working towards her goal of becoming an agency owner, with aspirations for even greater achievements in the insurance industry. She has already received recognition and awards as a Top Producer and Rising Star in Symmetry Financial Group, and she holds the title of Team Leader in her current level of leadership within the organization. worldsleaders.com | 21

24. Dr. Kaenan Hertz Innovative and Analytic Insurtech Leader with Strong Marketing, Customer Experience & Product Background Below are highlights of the interview conducted between World's Leaders and Dr. Kaenan Hertz: undergraduate degree in Calgary, I decided to go to graduate school in Boston. There, I became interested in understanding what influences people's voting behavior. I decided to pursue a doctoral degree in political science and moved down to Atlanta to finish my studies at Emory. While there, one of the professor's wives worked at a public health consulting company, and they needed someone with statistical and analytical skills to help them evaluate many different federal and state health-based programs. I had the opportunity to study disease outbreaks (long before COVID), preventing HIV/AIDS transmission between pregnant women and their infants, and improving child development. Doesn't everyone? I moved myself to Manhattan and had a blast. I then changed career paths and started to work for an urban entertainment dot- com company. While we only lasted a little more than a year, it was an incredible opportunity that provided me with the skills and experiences that have shaped my recent career path. Describe who you are as a person, inside and outside of the workplace. I am a 'happy-go-lucky' kind of person. Always trying to make people smile. I am an extrovert who is energized when she presents to a group of people. However, I enjoy solitude as well. Helping others is a key part of my ethos. I am a problem solver by nature, which sometimes gets in the way of just listening, when that's all that's called for. From New York, I moved to Washington and got to dabble in the political world a bit, but moreover, I started my career in financial services there working for Sallie Mae, the student lender. I ran their analytics and database marketing functions, and we were among the early adopters to embrace email marketing. From there, I got recruited to work at Citibank, which allowed me to move back to New York City, a city I truly Describe your background and what did you do before you started/joined the company? I grew up in Calgary, Alberta, Canada. After completing my While I loved living in Atlanta, I had a desire to move to the Big Apple. 24 | November 2023

25. E Kaenan Hertz counsels C-Suite leaders on insights and analytics, strategy, and innovation. He focuses particularly on the ways in which carriers, agents, and reinsurers may benefit from analytics, artificial intelligence (AI), marketing, blockchain, telematics, wearables, and Insurtech. He was a driving force behind the innovation of several start-up and established financial institutions. Using digital, conventional contact centers, and third-party channels, he deliberately molded their customer experience and improved their business. xpert in the insurance sector, Dr. Managing Partner & Founder Insurtech Advisors Chief Insurance Officer & Co-Founder Ahoy! Insurance Kaenan had executive positions in marketing strategy and decision management with premier insurance, banking, and finance businesses, including USAA, Citibank, and Sallie Mae, as well as consulting firms PwC and EY, before launching Insurtech Advisors and co-founding Ahoy! Insurance. worldsleaders.com | 25

26. love for all its beauty and warts. While at Citibank, I was recruited to head up customer analytics and board/CEO reporting for USAA, and I got to relocate, yet again, to San Antonio, TX. Moreover, this was my first foray into the world of insurance, which is where I've spent most of my career post-USAA. Insurtech Advisors grew out of my work at EY. While working with larger insurance carriers to tackle the influx of forced innovation, I realized that larger consultancies could not provide the same level of advice to smaller regional carriers, who dominate the rural landscape. I wanted to help these regional carriers because I grew up in the West milking the cow whose milk we drank.After consulting with a few CEOs to assess their interest in and appetite for this type of help, one of them told me that if I did this, he would sign up for my services. With that commitment, I made the jump from working for someone else to working for myself and started to build a company and a brand. I will forever be grateful for the foresight that the CEO had. It's been 5 years, and it has been an amazing journey where I've been able to help many smaller carriers compete and innovate in ways that the larger national carriers wish they could do as well. What has made you successful? What do you value? I believe that what has made me successful has been a commitment to helping. I didn't start Insurtech Advisors because I wanted to make more money. I started it because I didn't like selling and rather wanted to help companies solve brain- numbing problems. Moreover, I am more than willing to provide whatever help or connections I have without thinking about compensation. My philosophy is that there is a higher authority who controls that aspect, and in the end, if you provide people with value, they will pay you for that. Most people are comfortable with getting everything for free. Having lived in San Antonio for 3 years, I had the opportunity to move back to NYC and work for PwC, helping build out a new on-shore off- shore analytics practice. I was then recruited to EY to help build out a customer experience practice. It was while I was at EY that the worlds of Fintech and Insurtech had their beginnings. I started to work with insurance carriers to help them improve their digital and customer strategies and understand how the Insurtech evolution would create a revolution in their space. What is the significance of innovative ideas in the company? Because we work on the cutting edge of innovation within financial services, creativity and being able to look at our clients' aspirations and Tell us about the inception of the company. How did it all start? 26 | November 2023

27. challenges from many different angles are key to generating innovative ideas that our clients can embrace and deploy. Give us your opinion on; do organizations rely heavily on individual heroics or team processes? Frankly, I believe individual heroics trump overly rigid team processes. However, multiple minds (diversity) looking at the same problem and bashing their heads together always leads to better outcomes. What are your responsibilities as the Founder/CEO of the company? What is the happiest part of your daily routine? As the managing partner and founder of Insurtech Advisors (and a co- founder of Ahoy!) my responsibilities are endless. The happiest part of my day is when I get to check in with teammates and clients, not just about a deliverable, but about them more personally. What goes on in people's lives does impact their professional lives, and I want my colleagues and clients to understand they are not just another number to me. What advice would you give someone going into a leadership position for the first time? As a former executive coach of mine, Scott Eblin, told me, the skills that got you promoted are not the ones that will continue to get you promoted. You will need to develop and leverage new skills for your new role. Embrace the change and get comfortable coming out of your comfort zone. worldsleaders.com | 27

28. A Skilled Leader in Employment Practices Liability, Surety, Insurance Claims, Bad Faith, and Fiduciary Julia Miller Spracklen, COO at Roach Howard Smith & Barton, is an experienced Vice President of Risk with a demonstrated history of working in the insurance industry. She has strong company development skills, a Juris Doctor with a specialization in Law from Baylor Law School, and expertise in Employment Practices Liability, Surety, Insurance Claims, Bad Faith, and Fiduciary. Julia Miller Spracklen | COO | Roach Howard Smith & Barton 28 | November 2023

29. Below are highlights of the interview conducted between World's Leaders and Julia Miller Spracklen: Southern California territories, handling management liability files. I made the transition to the independent agency side in 2015, joining RHSB. Describe who you are as a person, inside and outside of the workplace. Outside of work my husband and I strive to be good stewards in our community. We have or currently participate in a variety of ways, such as leading food and toy drives for underserved communities, as well as previous service in a troubled youth student ministry and providing employment opportunities to the homeless on an ongoing basis. Additionally, I enjoy spending time with my two children and two grandchildren. We live in Grand Prairie with our four rescue dogs, which can make the house quite lively! Tell us about the inception of the company. How did it all start? In Dallas, our founder, Richard Roach, sold his first insurance policy in 1955 and founded his firm. Soon after, he was joined by Leroy Howard, Max Smith, and Archie Hunter. In 1972, the firm name became Roach Howard Smith & Hunter, Inc. In Fort Worth, L.T. Barton Insurance was founded in 1945 and became one of the most respected agencies in its region. Mr. Barton's success was based on personalized service and professional expertise that continuously exceeded client expectations. The two firms merged in 1998 and incorporated under the name Roach Howard Smith & Barton, Inc. in 2006, and RHSB remains relentlessly focused on our founders' client-centric philosophy and has enjoyed success because of it. Describe your background and what did you do before you started/joined the company? Having joined the Army directly from high school, I made the decision to go to law school after my military service. I graduated from Baylor Law School in 1999 and assumed a role in private practice. Upon relocation to Dallas, I decided to transition into insurance and began my career at Travelers Insurance, serving as Senior Claims Counsel and eventually as a supervisor for the Southern, Midwest, and What has made you successful? What do you value? As far as success in leadership, I firmly believe you must be passionate about the health and well-being of your staff, listen closely to their career goals and aspirations, and provide a solid foundation for your staff to be worldsleaders.com | 29

30. services does the company provide? Roach Howard Smith & Barton is a full-service independent insurance agency with a focus on commercial and personal lines insurance, as well as employee benefits. successful. Additionally, as leaders, it may be easy to point to an organizational chart and say "do it, because I said so." In order to be truly successful, I believe it is imperative that people understand the "why" behind a process or procedure. By doing a certain task, what is the contribution to the agency, and what is the impact? I work in a very transparent organization that does its best to manage through servant leadership, and it's one of the most attractive parts of my current role. been with the agency for over twenty years. It is our relentless focus on customer service that allows us to enjoy such long-term and stable relationships with our clients. RHSB (Roach Howard Smith & Barton) is the result of a merger of two agencies finding great commonality in service philosophies, and complementary strengths in product offerings and industry knowledge. Our firm's rich experience and client-centric focus have catapulted us to become a leading independent insurance brokerage firm in the country, as well as the North Texas area's only Assurex Global partner. We employ a consultative approach to risk mitigation with our clients and strive to guide them to help ensure the best possible solutions for their individualized needs. Our collaborative method and focus on our target markets are what sets the firm apart from other agencies. We value long-term, collaborative partnerships with our clients and, as a result, have many accounts that have Which are the major services of the company and how do the company to get ahead in the competition? What value-added 30 | November 2023

31. What are the most important aspects of a company's culture? What principles do you believe in and how do you build this culture? Culture is very important in delivering outstanding customer service, and we measure our success by ensuring every level of employee fully embraces our core values of being engaged, team players, solution-oriented, forward-thinking, and trustworthy. We believe if our organization is filled with those who display these characteristics, we will enjoy continued success. What are your responsibilities as the Principal/CEO/President of the company? What is the happiest part of your daily routine? At RHSB, I serve as the Chief Operating Officer and head of the Risk Services department. The ability to positively impact the agency and external customers is one of the things I value most. I think one of the most beneficial things I have done to achieve success is not being afraid to ask for opportunities, whether that be a new role, project, or exposure to aspects of the organization I would not normally have. I have identified roles and tasks I enjoy and asked for exposure to learn those aspects of the business, which has consistently positioned me to be prepared to assume the next step in my career. Each day brings new challenges, whether it is attending a Board of Directors meeting, discussing complicated claims issues, providing guidance to staff, or resolving an IT issue. Every day is different. Serving in a position that supports the entire agency is both exciting and daunting at times. Functionally, I supervise the department heads of our multiple profit centers and provide guidance and direction on everything from company initiatives to budgeting to data reporting and process and procedure development and implementation. The best part of my day is when I have the opportunity to positively impact an outcome, whether for an employee or customer. The nature of this business is problem solving, and seeing your efforts positively impact others is a truly great feeling. Finally, I would advise you that you will always be more successful if you talk less and listen more. As a leader, listening to the needs of your employees and customers is paramount. I am extremely fortunate to work for the firm and have never worked with a group that had more integrity, compassion, leadership, and customer focus. RHSB has a bright future, and I am truly excited to see what comes next! What advice would you give someone going into a leadership position for the first time? As far as advice I would give someone going into leadership for the first time, it would be that trust, above anything else, will serve you well. Employees must trust you to have their best interests at heart. They must know you will listen when there is a problem. They must trust your investment in not only the firm's success but their individual success as well. worldsleaders.com | 31

32. 32 | November 2023

33. worldsleaders.com | 33

34. 34 | November 2023

35. worldsleaders.com | 35

36. 36 | November 2023

37. A Revolutionary Leader in the Insurance Industry Matthew F. Power worldsleaders.com | 37

38. Becoming a Dominant Specialty Insurance Provider Core Values of Integrity and Innovation to the evolving needs of the market by providing creative and forward-thinking solutions. Expansion: The company's growth strategy includes expansion efforts that span geographical regions. This expansion may involve strategic partnerships, acquisitions, and collaborations with other industry players. Exceptional Service: Central to this vision is a steadfast commitment to delivering exceptional service. The company aims to maintain strong relationships with its broker and carrier partners, not only in the United States and Canada but also in Europe and Asia. In September 2023, One80 Intermediaries achieved significant recognition by ranking as the third largest Managing General Agent and Underwriting Manager in the United States, according to Business Insurance. However, the company's founder, Mr. Power, has a grander vision for One80 Intermediaries that extends well beyond its current achievements. Mr. Power envisions One80 Intermediaries becoming the preeminent specialty insurance provider in both the United States and Canada. This ambitious vision involves a multifaceted approach: Ÿ Deepening Expertise: The company intends to strengthen its offerings in key areas of expertise. This involves honing its specialization and developing a deeper understanding of specific industry niches. Ÿ Innovative Solutions: One80 Intermediaries aims to be at the forefront of innovation in the insurance industry. It seeks to respond swiftly and effectively At One80 Intermediaries, two core values, integrity and innovation, serve as the bedrock of the company's culture and operations. These values are deeply embedded in every aspect of the organization and guide its decisions and actions. Ÿ Integrity is upheld through a commitment to transparency and ethical conduct in all business dealings. The company places great emphasis on open and honest communication with clients, partners, and employees. One80 Intermediaries maintains high ethical standards to ensure trust and credibility in the industry. Ÿ Ÿ By pursuing these strategies, One80 Intermediaries aims to position itself as the go-to specialty insurance provider and realize its vision of becoming a dominant force in the industry across multiple regions. Innovation is another fundamental value that drives the company forward. One80 Intermediaries actively fosters a culture of innovation that encourages the generation of fresh ideas and the exploration of new approaches. The company invests in cutting-edge technology and data analytics to stay ahead of industry trends. 38 | November 2023

39. Achieving Excellence in Specialty Insurance In his role as the President of One80 Intermediaries, Mr. Power holds significant responsibilities. These include establishing the company's strategic direction, managing its daily operations, and ensuring its ongoing growth and success. Additionally, Mr. Power plays a pivotal role in cultivating and maintaining strong relationships with clients and industry partners. His leadership is instrumental in guiding the company towards its goals and solidifying its position in the insurance industry. worldsleaders.com | 39

42. 42 | November 2023

43. worldsleaders.com | 43

44. 44 | November 2023

45. worldsleaders.com | 45

46. 46 | November 2023

47. Newton Newton Newton Queiroz Queiroz A Multifaceted Leader, with a focus on Transformation, Continuous Learning, People/Empathy & Strong Positive Track Record of delivering results (be it financially or HR – the request is deliver) worldsleaders.com | 47

48. Transforming a Company's Operational Model for Future Success Throughout his career, Newton has faced numerous challenges, but the most significant risk he undertook was leading a complete overhaul of a company's opera?onal model during a cri?cal financial juncture. While conven?onal wisdom may have suggested a conserva?ve approach, Newton believed that achieving a paradigm shi? required bold and transforma?ve ac?on. The stakes were enormous. The company faced poten?al revenue losses, stakeholder dissent, and the daun?ng task of retraining the en?re workforce for a new paradigm. However, Newton maintained an unwavering belief that the future depended on innova?on and agility, and the exis?ng model would render them obsolete. The journey was filled with hurdles, sleepless nights, and moments of doubt. Nevertheless, as they persevered, the changes began to yield posi?ve results. Today, while recognizing the gamble of that decision, Newton also views it as a testament to the power of visionary leadership, trust in one's team, and the courage to venture into unfamiliar territories in pursuit of long- term success. 48 | November 2023

49. Newton Queiroz, Chief Executive Officer currently of the Brazilian subsidiary of the largest assistance company in the globe, Europ Assistance, which has been increasing (in Brazil) since he took the position & is currently believed to be between number one and two (there are no official studies in the local market). Queiroz is a seasoned executive with an impressive career spanning more than twenty-five years. His professional journey has encompassed both national and multinational companies, where he has consistently demonstrated a remarkable ability to craft strategies that optimize various facets of business operations, which earned him the respect of an executive with a positive track record that delivers the results in different environments and cultures. Also valid to mention that Newton has work in different sides of the industry, dealt with complex claims, was underwriter for off shore / aviation / liability, and participate of the placement of the largest account of Brazil in the open market in 2007. Newton’s Vision Throughout his professional journey, Newton has come to value not just the des?na?ons but also the routes he takes and the valuable lessons they bring. As he looks towards the future, his vision for his career centers on crea?ng las?ng and meaningful impacts that extend beyond profit margins. Newton's goal is to foster innova?on and collabora?on, posi?oning himself at the forefront of emerging industries and technological advancements. As a CEO, Newton has lead teams of different sizes, as he has worked in green field operations, turn around operations and transformational operations. Currently, he directly leads a team of eight hundred employees (directly hired by the company), but also needs to deal with nonexclusive providers where the numbers are north of ten thousand people. In the current project, he has been hired to transform the company by what he says, “to take it from an Oil Tanker to a Sailboat – being as light as possible, fast, adaptable and where teamwork makes the difference.” In five years, Newton envisions himself leading a mul?faceted organiza?on or ini?a?ve that champions sustainability, inclusivity, and digital transforma?on. He sees this enterprise as one that doesn't merely adapt to changing ?mes but an?cipates and ac?vely shapes them. In addi?on to his career aspira?ons, Newton aims to mentor and nurture the next genera?on of professionals, sharing the wealth of experience he has accumulated. Newton's leadership involves initiatives focused on digital transformation, innovation, the continuous development of professionals, the creation/testing/deployment of new products, research & development in all fields that can touch the industry, staying abreast of market trends & being a hands-on present leader. As such, Newton is focusing on actions aimed at repositioning the company's culture, climate, and people, thereby enhancing the overall organizational environment, which is crucial for sustainable growth. In a very summarized way, THE FOCUS ON ADAPTABILITY, which for him is key currently to all of us in our life. The future holds both promise and challenges, and Newton is invigorated by the prospect of further growth, both as a leader and a lifelong learner. Beyond the executive role, Newton also works as board member, both administrative and consultive, different segments of the economy, where he can leverage his expertise and insights to contribute to different industries. He also works with some executives and youngsters as a Coach and Mentor, always with the aim to support their professional and personal journeys. worldsleaders.com | 49

50. 50 | November 2023