The SHM Financial Group, 100 Richey Ave, Oaklyn, NJ 08107, US

We serve as a resource for agents and brokers, combining a thorough understanding of captive solutions with a proprietary marketing database for arranging risk transfer placements and sophisticated financial analysis to match the right alternative product with the risk management needs of our clients. Working as an alternative risk intermediary, our services help agents and brokers of all sizes craft and place the coverage that is appropriate for each individual client. Alternative risk structures are complex-due in part by trying to meet the risk management needs of the customer while simultaneously balancing multiple jurisdictional tax and business codes that govern captive structures with the statutory and regulatory requirements of the insurance carrier partner. Very few insurance brokers and agents are able to cost-effectively work their way through this complexity to deliver satisfactory alternative insurance options to their customers. Similarly, insurance and reinsurance companies have struggled to fit the varied and changing forms of alternative products into their existing corporate structure and product offering. The principals of Keystone Risk Partners have decades of global experience in designing and crafting alternative risk management solutions for corporations-we understand captives. We use this understanding to be creative and innovative in exploring the feasibility of a captive solution. Keystone Risk Partners is not part of an insurance brokerage firm ; we can work on a neutral and uncompromised basis with any broker. Keystone Risk Partners is not owned by an insurance company ; we can recommend for or against a particular policy or carrier without any self-interest or conflicts clouding our advice. As an unbiased neutral third-party, we are free to pick and choose the preeminent vendor package to design a solution that is truly best-of-breed. 2010 Keystone Risk Partners LLCOne Tower Bridge, PA 19428 Conshohocken Suite 275610 941-7751

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