Your future in focus.

Raise yourEXPECTATIONS.“Risk management” and “employee benefits”: four words that conjure up all sorts of opinions. Like, boring. Frustrating. Complicated. Necessary evil.

We think it’s time to change that.

We think you should be delighted to see your insurance agents. Because

they’re going to save you money and find more effective ways to protect your business and your employees. Help you initiate change, manage your risks, and become a better, smarter, more efficient organization.

Because they care. And because they can.

We’re MJ Insurance. We believe it’s time for you to change the way you think about risk management and employee benefits—and raise your expectations about what your business partners should do for you.

Pushing you to BE YOUR BEST.

1964MJ is founded by Michael M. Bill, and we open our doors in Anderson, IN.

Construction and Manufacturing practices established.

1966Personal Lines practice established.

1976

We hit the revenue benchmark of $1M for the first time.1964

1978Employee Benefits practice established.

1980

Transportation practice established.

1982Energy/Mining practice established.

1986

Our revenue exceeds $5M.

H O W W E G O T H E R E .

MJ Insurance can help your organization with risk management and benefits consulting no matter what your business. Our innovative tools and resources give you all the clout of a large, national firm with all the personal attention of a local agency. Since our clients demand the highest standards of integrity and transparency, we’ll never deliver anything less.

We exist to inspire the success, fulfillment, and wellbeing of each person we serve: associates and their families, business partners, clients, and the community. And when you hire us, we not only make your organization better, smarter, and more successful—we raise expectations about what your partners should do for you.

1998We become a member of Assurex Global.

1998

Sorority practice established.

2001Japanese Business practice established.

2005

We open ourArizona office.

2006

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We’re named a “Top 100 Privately Held Independent Agency in the U.S.” by Insurance Journal.

2008

Named a Best Place to Work in Indiana—consecutive wins ever since.

2012Our revenue exceeds $25 million.

2014We launch the MJ Private Exchange, and MJ YOUniversity.

We celebrate our 50th anniversary.

2014

P R O C E S SI N N O VAT I O N

Discover and understand your goals, initiatives, and objectives.

Evaluate impact on your risk management or employee benefits program.

Analyze your current program.

Develop and validate strategy.

Implement and execute strategy.

Measure, monitor, and track results.

Don’t have a good risk management strategy?

THAT’S A BIG RISK. Your business is constantly growing, adapting, and changing—and so should your risk management plan. MJ Insurance works closely with you to make sure your risk management strategy is aligned with your business goals, so that you’re always getting better, growing stronger, and reaching your objectives.

Analyzing you. Determining your risk means performing a quantitative and qualitative analysis that will help us understand your risk profile. It also means understanding your company

at a global level—not just your approach to risk management. This helps us tailor the right plan for your exposures that is in alignment with your overall strategy.

Focused on your future. We’ll determine your historical cost of risk to use as a benchmark for future business decisions.

COST OF RISK ANALYSISBy taking a look at your historical cost of risk, we can help you make smart decisions in the future that will help you achieve

your business goals. After determining your cost of risk, you can share this metric throughout your organization to help influence your culture in ways that may help make your business more profitable.

RISK CULTURE ASSESSMENTWhat’s your culture of risk management, and how has it driven your results? What steps have you taken to initiate change, and what investments are you willing to make? We’ll take a close look at how you’re controlling your risk exposure and risk tolerance and get them aligned to where you’re headed.

RISK MAPPING & EMERGING RISK IDENTIFICATIONOnce critical risks have been identified, including those that are new or previously unknown, we assess the probable frequency and severity of the events—and the impact they would have on your organization.

BENCHMARKING & FORECASTINGWe can help you set benchmarks internally or externally—either by using your own historical data to analyze trends or by evaluating peer data using comparative analysis. This helps us accurately forecast future results, which is critical to ensuring that your company is making the right decisions as your business grows and changes.

The right amount of risk. There are many options for financing your risk, and based on our risk analysis and business conversations, we’ll recommend the optimal strategy for you.

RISK TOLERANCE ASSESSMENTAfter we understand your risk profile, we’ll talk with you about how much risk you’re capable of taking and willing to accept. And we’ll also know whether your current risk management program is right for achieving the goals of your company.

RISK TRANSFER STRATEGYWe’ll recommend options for the transfer of your risks that align with your ability and willingness to accept a specified level of risk. This might come in the form of traditional insurance placement or one of several alternative risk transfer strategies that include captives/risk retention groups (RRGs), self-insurance, and other non-traditional insurance vehicles.

TRADITIONAL INSURANCE PLACEMENTWith more than 50 years of experience in commercial insurance, we’ve formed strong partnerships within our industry with the top national and regional insurance carriers throughout the nation. And we’ll use these relationships to give you the best possible insurance options for all of your risk transfer needs.

ALTERNATIVE RISK TRANSFERSometimes, alternative forms of risk transfer can be better options than traditional insurance. We’re well-equipped to provide consultation on these programs, and will help you put the right option in place, including captives/risk retention groups (RRGs), self-insurance, and other nontraditional insurance vehicles.

Whether it’s providing detail-oriented claims consulting or being a persistent, dedicated advocate for your best interests, you can count on MJ to bring significant value to your organization.

Claims consulting that moves with your company. Our approach to claims consulting is cyclical—never static—because we always need to understand where your business is

going. We monitor to ensure we’re getting the results we intended, and we’ll always keep our strategy aligned with your future.

MJ’s dedicated team of commercial claims specialists offers expert knowledge and support throughout every stage of the claims process, minimizing the economic, administrative, and emotional burden on your organization.

Add value to YOUR BUSINESS.

CLAIMS MANAGEMENT • We ensure you’re using your insurance

coverage properly in the event of a claim.

• We are persistent advocates for the best and most expedient resolution.

• We provide continued monitoring of claim activity, while supporting and guiding you through the entire process.

CLAIMS REPORTING• We facilitate on-site claims reviews to

communicate overall quarterly activity, disposition strategies, and reserve development on impactful claims.

• We collaborate with our strategic risk management team to provide loss-trend and root-cause analysis.

PROCESS EFFICIENCY • We can assist in the development of

processes and procedures to minimize the administrative burden caused by the claim process.

Persistent advocates. You can always rely on MJ Insurance to be by your side, because we understand that risk management isn’t just about the placement of your coverage once a year: Questions and issues that need immediate attention arise daily.

COMPREHENSIVE PLANNINGOur risk analysis, claims management, and risk financing teams work together to create your overall strategic plan. We’re experienced in our individual crafts and understand how each one affects your plan holistically. It’s thoughtful customer service that’s at the heart of everything we do.

ALWAYS THINKING AHEADAs your risk management partners, you can rely on us not only to respond promptly to any questions or concerns you might have but to stay out in front of changes in your business and ours.

MJ Insurance won’t just address the needs you have today. We’re constantly looking down the road to make sure you have the right benefits program for the organization you’re going to become.

Making the data work for you. Our comprehensive, forward-thinking approach to analytics is the foundation of our benefits consulting practice. We

have the experience and the proprietary analytics tools that will make sure you’re always getting the most from your benefits strategy.

And because we have extensive experience integrating and analyzing claims and biometric data, you can leave the analysis to us—and focus on growing your business.

Your business doesn’t stand still. Neither should

YOUR EMPLOYEEBENEFITS PROGRAM.

DATA INTEGRATION & WAREHOUSING• We provide a secure, proprietary data

analytics and warehousing system that consolidates all of your claims data.

• We can integrate multiple data sources (e.g., medical, Rx, dental and workers’ comp claims, biometric data, etc.)

• We provide you with financial and clinical reporting.

INSIGHTFUL ANALYTICS• We will forecast your future risks

with plan modeling and clinical risk analysis, allowing us to implement appropriate mitigation strategies.

• We will provide a detailed multi-level claims analysis, plan design modeling, and cost trending/forecasting.

• We also provide an employee contribution analysis and onsite clinic analysis.

Healthy employees = a healthy business. Employees in poor health don’t just cost you in terms of direct medical and drug benefits—they also cost you productivity. We’ll help you create an employee wellness program that can significantly reduce your healthcare expenditure while driving higher morale and a more positive workplace culture.

A HEALTHIER YOU• Our approach to wellness isn’t a

program but a process that begins with a deep understanding of your unique work environment.

• We will give you an assessment of historical and current wellness offerings.

• We will identify your future wellness goals, formulate and execute your strategy, and help you monitor, measure, and track results.

ONSITE & NEARSITE CLINICS• Onsite and nearsite clinics can help

you manage costs and improve efficiencies.

• We will give you a feasibility analysis, conduct a market analysis of clinic management companies, and help you implement the process.

• With over a decade of experience in onsite clinic consulting, we know the proper strategies to maximize clinic utilization.

WELLNESS SOLUTIONS• The MJ Wellness Team will work

with you to integrate your wellness program, eliminating the hassle of working with several vendors.

• We will help you integrate an incentive-based wellness program, with educational seminars and online-driven solutions—plus comprehensive analysis.

Benefits consulting can be a complex issue, so we want to make sure that you and your employees understand your total benefits package. That means being clear, effective communicators, and making the information simple for you to understand.

EMPLOYEE COMMUNICATIONSTo help you communicate benefits clearly and consistently, we can provide branded content and communications to your

employees, which include:

• Custom benefits booklets• Educational videos• Enrollment support• Web portals• Consumer advocacy resources• Total compensation statements

PRIVATE EXCHANGEThrough MJ’s private exchange, we provide a cost-effective solution and help reduce

We make benefits CONSULTING SIMPLE.

the administrative burden to employers. This gives employees the freedom to choose the best plan for their needs—we’ll even give your employees decision-support tools to help them make the best choice.

• We offer both self-funded and fully insured plans.

• We give you the ability to choose a defined contribution or defined benefit strategy.

• We offer prepackaged portfolios of medical and ancillary benefits.

• We offer plans to fit any budget, with recordkeeping support, and marketplace business data integration—all from a single source.

Compliance, covered. Healthcare regulations are constantly in flux. We take care of your compliance needs so you can focus on the needs of your business.

HEALTHCARE REFORM AND LEGISLATIVE UPDATESNew healthcare laws can be overwhelming, so we give you the tools and information to help you understand how they impact your business. We’ll let you know what you need, when you need it.

• This mean reviewing PPACA analysis, reporting requirements, and fees and penalties.

• We’ll keep you up to date with regulatory requirements through email, webinars, seminars, legislative briefs, and through the MJ website archives.

EMPLOYER RESPONSIBILITIESWe give you the resources you need for day-to-day management of your benefits—and we’ll find the best solutions to simplify your administrative workload through 5500 reporting, summary plan descriptions, FMLA assistance, and ERISA compliance.

Always by your side. You can count on MJ to be a persistent advocate on your behalf, always striving to create excellent experiences for our clients. We’re well-suited to do this because of:

OUR PEOPLEWe have an experienced, committed team dedicated to your short- and long-term goals. We continually challenge each other to grow personally and professionally—and we challenge our clients to become the best company they can be.

CARRIER RELATIONSHIPSWe’ve maintained relationships with the country’s leading carriers for years, giving you access to the most innovative, customizable plans available. We’ll represent you with a strong voice in the insurance marketplace, and find you a package that takes into account your needs both today and tomorrow.

CLIENT SERVICEWe take an active approach to client service, so we can help prevent issues before they become a problem. And you can rely on us to be a day-to-day advocate for your best interests.

We recognize the importance of strong leaders, which is why we emphasize that each one of our associates—no matter their level of experience or time with the company—should be a leader in their given area. Our company is full of resourceful, motivated people who collaborate as leaders on common ground, all playing different but equally important positions on the team.

By having a culture focused on continually sharing, learning, and educating, we constantly get better at what we do. It’s a critical aspect of our business given the changing landscape of the modern insurance world—because the knowledge we gain is passed on to our clients, helping them manage risk, improve efficiency, and be more successful.

The culture of MJ Insurance can best be

described by our five passions, which help

empower our associates to be their very best in

both their personal and professional lives:

PERSONAL DEVELOPMENTPerpetually strive to become the best version of yourself, both personally and professionally.

SYSTEMS FOR SUCCESSCommit to develop and follow best practices that are repeatable and efficient in order to achieve your desired results, both at home and at work.

We create opportunities for our employees—

AND BRIGHTER FUTURES FOR OUR CLIENTS.

You deserve the best. Call us.Every great company has a vision. Ideas about where they want to be five, ten, twenty years from now. Sometimes the path is clear; sometimes the ambition is clear, but the path is unknown.

Our goal at MJ isn’t to sell you insurance. It’s to help you become better at what you do—today, tomorrow, and years from now. We constantly challenge you to be your best, and we do it by carefully listening to you, staying innovative, and making sure you reach your goals—no matter how ambitious they might seem.

We make sure you have the right pieces in place as you grow and change. And we watch your back to keep surprises from stalling your progress.

We think you deserve the best. We’re ready to help you succeed in every big—and little—way we can. We’re ready to start right now.

INSPIRING LEADERSWith passion and commitment, place the interests of others ahead of your own by committing to daily behaviors that positively influence those around you.

EXPONENTIAL EFFECTEngage with others in ways that will ignite their passion and inspire them to act and influence others in a similar fashion.

FUNHappiness is a choice. Bring your sense of humor and desire to have fun to work with you every day.

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