Looking out for you. Looking ahead for you. As a leading broker and advisor for employee benefits, HUB International is committed to delivering solutions with thoughtful strategic planning, valuable professional services and technology-based solutions that enhance our clients’ financial performance and position them as an employer of choice. Together, we’ll tailor employee benefits solution to address the big issues you’re facing today - and those that will affect you in the future. hubemployeebenefits.com #LetsDoSomething This information is provided for general information purposes only. HUB International makes no warranties, express, implied or statutory, as to the adequacy, timeliness, completeness or accuracy of information in this document. This document does not constitute advice and does not create a broker-client relationship. Please consult a HUB International advisor about your specific needs before taking any action. Statements concerning legal matters should be understood to be general observations and should not be relied upon as legal advice, which we are not authorized to provide. © 2016 HUB International Limited. All rights reserved