Market Overview

Keystone Adds Two New Michigan Agencies to Growing Partner Community

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Keystone has named Shoreline Insurance of Muskegon, as well as Combined
Insurance Agencies of St. Joseph to its growing community of partners in
Michigan.

"Over time, we've grown our agency to nearly 30 professionals and
garnered expertise in many key industries within our community," said
Rich Kramer, president of Shoreline Insurance. "Joining Keystone gives
us the advantage of offering national resources we can source locally to
these clients, all while remaining independently owned and operated."

"As our community and our agency continues to grow, so does our need for
solutions that help the families and businesses we serve," said Bob
Beemer, president of Combined Insurance Agencies. "Partnering with
Keystone brings new tools in employee benefits, commercial lines markets
and risk management that will help our clients."

"With the explosion of new technology, today's insurance industry is
changing rapidly," explained Mark Maurer, Keystone's Michigan vice
president. "Our agents need to be forward thinking and focused on
developing the next generation of talent. Shoreline Insurance and
Combined Insurance Agencies definitely fit these key components of what
we want in our community of partners."

About Shoreline Insurance -- Since 1976, Shoreline Insurance has
served clients in the West Michigan area with personal and commercial
insurance, and employee benefits. The agency staff is very engaged with
the local community including serving on non-profit boards and several
service organizations. They strive to make West Michigan a better place
to live and work. For more, visit https://shorelineagency.com.

About Combined Insurance Agencies (CIA) -- CIA has a rich history
of serving the insurance needs of individuals, families and businesses
throughout southwest Michigan. The Combined Insurance Agencies is made
up of many agencies that combined over the years. President Robert
Beemer and Senior Vice President Bruce Owen are owners of the agency and
active members of the community. For more, visit https://ciainsurancemi.com.

About Keystone Insurers Group (Keystone) -- Keystone started in
1983 when four independent insurance agencies teamed up to pool their
experience and expertise. This small group believed that agencies could
be stronger and more successful if they linked arms -- a passion and
spirit that continues. Growing to almost 300 independent agency partners
in 12 states, Keystone provides its agents with a community of
like-minded agencies, industry expertise and access to specialized
products for their clients. Keystone is ranked number three on Insurance
Journal's 2018 list of Top 20 Privately-Held Property/Casualty Agency
Partnerships. For more information, go to www.keystoneinsgrp.com.

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