Personal Insurance Capabilities Guide

PERSONAL INSURANCE

CAPABILITIES + SERVICES

We work with clients to create customized insurance solutions to meet their lifestyle needs of today, while preserving and protecting their legacy for generations to come.

TABLE OF

CONTENTS.

04 PURPOSE + CORE VALUES 08 WHO WE ARE 10

THE MJ EXPERIENCE

12

THE MJ DIFFERENCE

NOT YOUR AVERAGE

CONSULTING FIRM.

The MJ Companies is a business and financial services consulting firm that, since 1964, has grown from a two-person startup to a firm with more than 200 employees. With offices in Arizona, Colorado, and Indiana, we serve a diverse client base that includes local, regional, and national companies, and we work closely with the world’s top insurance carriers. We proudly represent clients in 54 countries and in every U.S. state.

As a family-owned company founded over 60 years ago, MJ takes great pride in our commitment to building strong relationships with our clients and our relentless pursuit of new and innovative solutions to meet our client’s needs. We strive to learn about every aspect of our client’s lifestyle and use that information to design and develop customized programs to fit their needs.

P U S H I N G YO U TO B E YO U R B E S T At MJ, we’re always looking for new ways to inspire success, fulfillment, and wellbeing for every person we work with, from our associates and their families to our business partners, our clients, and the community. We’re committed to your future and success, and we continue to push the boundaries of what’s possible, just as we did when we first began.

GENE 1 96 4

1 9 76

1982

2001

2006

MJ opened in Anderson, IN.

Established Employee Benefits practice.

Established Energy & Mining practice.

Established Japanese Business practice.

Named one of the “Top 100 Privately Held Independent Agencies in the U.S.” by Insurance Journal.

Established Construction & Manufacturing practices.

1 96 6

1980

1998

2005

Established Personal Insurance practice.

Established Transportation practice.

Became a member of Assurex Global.

Opened Arizona office.

Established Sorority practice.

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W E C R E AT E O P P O R T U N I T I E S F O R O U R E M P L OY E E S — A N D B R I G H T E R FUTURES FOR OUR CLIENTS 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.

ERAL 2019

2021

2023

2025

Launched APERTURE®—MJ’s analytics platform.

Named one of the Healthiest Workplaces in America.

200 total employees.

Opened Tennessee office.

® 2016

2020

Established Farm to Fork practice.

Established the MJ Foundation.

Acquired ProCourse Fiduciary Advisors.

Established Retirement and Compensation + Total Rewards Consulting practices.

2022 Opened Colorado office.

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Established MJ Absence MGMT practice.

2024 Became The MJ Companies.

Launched MJ Benefits+.

Established MagniPhy Pharmacy Solutions.

O U R C O R E VA L U E S The culture of The MJ Companies can be best described by our core values, which help empower our associates to be their very best in both their personal and professional lives.

PASSIONATE We are driven by passion. It gives our work purpose and gives new meaning to what we do. And working with passion is more than a mindset—it’s a transformative experience that makes us proud of what we accomplish.

INSPIRING Leadership takes passion and commitment. But it also requires you to place the interests of others ahead of your own, while acting as a positive influence to those around you.

We believe that everyone is a valuable part of our team—and that everyone can be an inspiring leader.

CURIOUS Learning is a lifelong process, spurred by a healthy curiosity of the world around us.

By asking questions, seeking answers, and applying what we learn, we push ourselves further down the path of personal growth and development.

DETERMINED Achievement begins with a determination to see results. It is a mindset that combines perseverance and passion into a single vision of what can be achieved by pressing patiently forward—one step after the next.

INNOVATIVE Innovation starts with future-focused insight and evolves through the application of a creative vision. Every member of our team is capable of imagining better ways to work, collaborate, and advance our goals. Innovative thinking is the first step toward making the world a better place.

FUN Fun, humor, and joy are part of who you are, and they should be a part of your work.

When we don’t take ourselves too seriously, the world is a brighter, better place. We remember that happiness is not a destination—it’s a journey.

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A NATIONALLY RECOGNIZED

FIRM.

+

2025 Indiana Chamber Best Places to Work

+

2025 Denver Business Journal Best Places to Work

+

2025 Indiana Business Journal Largest Independent Insurance Agencies Brokers

+

2025 “Big I” Best Practices Agency

+

2025 Business Insurance Top 100 Brokers of US Business

+

2024 Phoenix Business Journal Best Places to Work

+

2024 Business Insurance Top 100 Brokers of US Business

+

2024 Insurance Journal Top 100 Privately Held Property and Casualty Agency

+

2024 Indiana Business Journal Largest Independent Insurance Agencies Brokers

+

2024 “Big I” Best Practices Agency

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WHO WE ARE

TAKING YOUR INSURANCE

PERSONALLY.

PERSONAL INSURANCE The MJ Companies provides personal insurance programs and risk management services for successful families, high-networth individuals, and family office practices. MJ does not sell, service, or consult on non-high-net-worth accounts. We maintain focus on clients and partners who benefit from our specialized expertise in the premier insurance space.

C A R R I E R R E L AT I O N S H I P S MJ has established itself as one of the leading privately held insurance brokers in the United States, consistently ranking in the top 100 agencies. Our strong relationships with major insurance carriers have earned us influence and leverage with industry-leading providers.

Our carrier partners are those offering premier products and services with the best financial strength in the industry and decades of experience serving the affluent client.

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THE MJ EXPERIENCE

ARE YOU READY FOR

DIFFERENT?

OUR PROCESS Our process begins by reviewing the program in place, while learning the nuances specific to the individual client. To determine gaps in coverage, we must first understand what coverage should be in place. We recognize that each client is unique, so we take a personalized approach, beginning with a discovery process where we gain a better understanding of the overall need and create a customized personal insurance strategy aligned with those needs.

We work alongside industry experts and professionals to determine solutions for gaps in protection, whether through risk management services or insurance policies.

Our recommendations will always include education and choices to manage the program and the cost.

The focus then shifts to implementing the client’s decisions, then servicing those policies and programs with the highest level of detail and care.

At agreed-upon intervals, coverage is reviewed before it is renewed, offering the same options and mitigation capabilities to manage increasing costs or changes in coverage throughout the lives of the policies.

DISCOVER

EVALUATE

ANALYZE

and understand your goals, initiatives, and objectives

impact on personal insurance program

current program

MEASURE

IMPLEMENT

DEVELOP

monitor and track results

and execute strategy

and validate strategy

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THE MJ DIFFERENCE

MORE INSIGHT. MORE SOLUTIONS.

MORE THAN JUST INSURANCE.

With MJ, you gain more than just an agent. Your team is not served by a single point of contact, but rather an entire team dedicated to best serving you. We work together to ensure you—and your client—receive the best advice, the best service, and the most exceptional experience within our industry.

We will work with you to determine the best way to work together, meeting your needs and desired communication process.

Your team and the client will dictate involvement as much—or as little—as you prefer. We are experienced in the nuances from client to client and can easily adapt to your needs.

A S S O C I AT E F O C U S

C U LTU R E

COLLA B ORATION

LOW TURN OV E R

E N T R E P R E N E U R I AL E N V I RO N M E N T

EXP E RT I S E

ONE MJ

CLIENT FOCUS

VISION

A LIGN MEN T

I N N OVAT I V E S O LU T I O N S

DATA-DR I V E N I N S I G HTS

E XC E P T I O N A L PA R T N E R S H I P S

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R E S P O N S I V E NE S S

DEFENDING YOUR DATA:

OUR PRIVACY + CYBERSECURITY COMMITMENT

As one of the largest privately held risk management firms in the country, ensuring the security and protection of our clients’ sensitive information is a top priority. The only members of our organization who have access to our private client files are the members of our service team.

MJ has aligned itself with the National Institute of Standards and Technology Cyber Security Framework (NIST CSF). In 2022, MJ contracted with a third-party security firm to confirm our adherence to NIST CSF. Additionally, MJ performs annual penetration testing, annual internal risk assessments, and ongoing vulnerability scanning to stay ahead of potential cyber security risks. We have also received our SOC 2 Type 2 certification, which we maintain today.

We keep strict records of who we speak to—and work with—regarding individual accounts. You are assured of razor-sharp confidentiality and diligent communication only where it’s permitted.

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RAISE YOUR

EXPECTATIONS.

With six decades of experience serving some of the nation’s most successful families and individuals, we know that personal insurance can be an impersonal business—but not when you work with MJ. We take a detailed, personalized approach to understand your client’s lifestyle and coverage needs to build a customized insurance program tailored to meet today’s demands with their future in focus. We partner with family offices to protect multigenerational assets, ensuring your client’s legacy continues across generations.

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YOUR FUTURE IN

FOCUS.

THEMJCOS.COM