This enhancement represents the latest in a series of innovations that underscore Valmark’s commitment to helping independent firms build value by actively managing in-force policies and transforming traditional policy servicing into proactive insurance management. By leveraging a variety of data feeds and artificial intelligence (AI), the expanded platform helps ensure that insurance policies continue to meet the financial security needs they were originally designed to provide.

“The InForce Insurance Hub and its latest feature are game changers for Valmark Member Firms,” said Chris Bottaro, Senior Vice President of Insurance at Valmark. “Most producers have long understood the value of staying independent from traditional career systems and offering products from multiple carriers. However, with this independence comes the heightened complexity of managing and servicing business across various platforms. The Opportunity Engine™ helps change that by putting powerful, actionable data from multi-carrier books of business directly into the hands of our advisors, empowering them to identify underperforming policies within their existing block while enhancing client service and relationships.”

These advancements reflect Valmark’s ongoing investment in data and AI and its unwavering commitment to providing Member Firms with the tools and resources they need to protect policyholders through proactive insurance management and thrive in today’s competitive market.

Protecting Policyholder Interests Through the Use of In-Force Data
The Opportunity Engine™ provides Member Firms with organized and actionable opportunities, based on real-time in-force policy data, to support client outreach and engagement opportunities to:

• Improve policy benefits or reduce premium costs
• Discuss policies that may be underperforming or at risk of lapsing
• Turn existing policies and past clients into new business and active relationships when policy adjustments are needed to maintain intended benefits

Managing a large volume of policies across multiple insurance carriers can be challenging for many advisors. The InForce Insurance Hub and Opportunity Engine™ streamline this process, offering a centralized platform to efficiently organize policies and surface meaningful insights.

The new technology simplifies policy oversight and empowers insurance firms to focus on what matters most: their clients. With actionable data at their fingertips, advisors can drive improved policy performance, proactively enhance insurance portfolios, and strengthen client relationships.

Building on a Decade of Policy Management Excellence
For more than 10 years, Valmark’s Policy Management Company (PMC) has been a trusted partner to Valmark Member Firms, helping protect and optimize policy outcomes for clients through:

• Premium payment monitoring, reminders, and late notices
• Annual policy reviews with actionable guidance
• Consistent and coordinated policy reporting

The PMC stands as a trusted leader in life insurance oversight, managing more than $12 billion in total death benefit and approximately $120 million in annual premium across approximately 5,000 individually tailored insurance policies. Over the past decade, the PMC team has conducted comprehensive reviews on over 10,000 policies, exemplifying its steadfast dedication to proactive service. This rigorous management approach has produced powerful results—policies under PMC’s active oversight are twice as likely to remain on track, providing families and businesses with their intended benefits.

“Having led the Policy Management Company for nearly a decade, I’ve seen firsthand, across a wide range of client situations, how proactive in-force management can significantly enhance outcomes,” said Michael Michlitsch, Vice President of InForce Insurance Solutions at Valmark. “The Opportunity Engine™ builds on that foundation by taking years of servicing experience and turning it into a strategic engine for growth. We’re helping advisors not only protect what’s been sold but also unlock what’s possible within their existing book of business.”

Powering the Future of InForce Insurance Solutions
The Opportunity Engine™ is the latest evolution of the InForce Insurance Hub, Valmark’s centralized platform for viewing real-time policy data, accessing carrier information, and conducting efficient policy reviews.

Together with the PMC and broader InForce Insurance Solutions Division, this platform gives advisors a fully integrated, tech-enabled solution to streamline servicing, improve client outcomes, and grow revenue from their in-force book of business.

“Our Member Firms have always prioritized doing what’s right for their clients,” said Larry J. Rybka, Chairman & CEO of Valmark. “Our data confirms that the most critical part of the value chain for life insurance clients is what happens after the policy is issued. Over a decade ago, Valmark recognized this need and launched the Valmark Policy Management Company to equip our firms with tools that address post-sale servicing challenges across carriers. The Opportunity Engine™ builds on insights from both the Policy Management Company and InForce Insurance Hub and further demonstrates Valmark’s leadership in providing data-driven tools that support advisors well beyond the point of sale. It’s a natural extension of our Life Insurance 10X strategy and a clear reflection of our commitment to redefining life insurance. By simplifying the buying and servicing process, strengthening client relationships, and setting a new standard for post-sale support, we continue to empower our Member Firms for long-term success.”

For more information on Valmark and the Valmark Policy Management Company, visit www.valmarkfg.com and www.valmarkpmc.com.

About Valmark Financial Group, LLC
Valmark Financial Group is a holding company of several subsidiaries, including Executive Insurance Agency, Inc., a national producer group; Valmark Securities, Inc., a broker-dealer and member of both FINRA and SIPC; Valmark Advisers, Inc., a U.S. Securities and Exchange Commission registered investment adviser; and the Valmark Policy Management Company, LLC, which provides ongoing policy management and monitoring services for life insurance policyholders. With a proud history of working with independently owned financial services firms committed to high ethical standards in over 30 states throughout the United States, Valmark offers a wide range of insurance and investment solutions for high-net-worth clients. Headquartered in Akron, Ohio with operations in St. Paul, Minnesota, Valmark, through its affiliated entities, has helped its member firms place approximately $80 billion of life insurance death benefits and manage insurance policies with a cumulative cash value of over $8 billion dollars. Valmark’s affiliated RIA, Valmark Advisers, has an estimated $11.5 billion in assets under management and advisement. To learn more about Valmark Financial Group, visit www.valmarkfg.com.

Securities offered through Valmark Securities, Inc. Member FINRA/SIPC. Investment Advisory services offered through Valmark Advisers, Inc., a SEC-Registered Investment Advisor.