Financial Strength Providing underwriting expertise and high standards of service you can trust. Our financial performance is driven by a renewed focus on executing our core competency of providing leading insurance solutions to religious organizations and non-profit, human services businesses. We achieve further diversification, stability and growth by partnering with select, niche program administrators within our alternative distribution division. The combination of these strategies is a back-to-basics approach that provides diversification in product mix, exposures, and distribution that position the company for strong financial results. In 2022, the realignment of our focus on our core competencies resulted in a purposeful reduction in direct written premiums from $1.069B to $984M. The characteristics of the businesses that we de-emphasized reflected low retention of written premium and, as a result, net written premium increased to $702M from $650M and are well balanced between our two segments. GuideOne has a Best’s Financial Strength Rating of A- (Excellent). For the latest rating, access ambest.com. Message From the CEO “Our balance sheet remains solid, strengthened by invested assets and stable reserves. Our continued focus on underwriting excellence and discipline will help us reinforce our strength as an organization. Being selective about our risks, having a deep knowledge of our books of business and bringing in tools and capabilities to further research and develop our underwriting practices will be of immense value to our customers, our team members and our company’s sustained growth.” BERNARD HENGESBAUGH, President & Chief Executive Officer