Exhibit_A_-_USI_Marketing_Letter_RFP_25-02_Life_Insurance.pdf

USI Insurance Services 21250 Hawthorne Blvd

Suite 380 Torrance, CA 90503

July 9, 2025

RE: Superior Court of California, County of San Bernardino

REQUEST FOR PROPOSAL (RFP): Basic Life, Supplemental Life (employee, spouse/registered domestic partner and child), and Voluntary Accidental Death & Dismemberment: RFP 25-02, Effective January 1, Due by: FRIDAY, JULY 25, 2025, 1:15 P.M., PST – NO LATE PROPOSALS WILL BE ACCEPTED

To Whom It May Concern:

We are conducting a Basic Life, Supplemental Life (employee, spouse/registered domestic partner and child) and

Voluntary Accidental Death & Dismemberment (AD&D), marketing survey for our valued client, the Superior Court of

California, County of San Bernardino (The Court). You are invited to submit a proposal for coverages noted in the reference line with a January 1, 2026 effective date. Their zip code is 92415 and SIC code is 9211.

This RFP is composed of two documents:

1) USI Insurance Services’ RFP cover letter with requested specifications and

2) The Court’s official RFP that contains requirements and process for contracting vendors. You are responsible for reviewing both documents in their entirety.

COURT BACKGROUND:

The Court holds jurisdiction over San Bernardino County, the largest county in the United States, geographically, covering over 20,000 square miles and serving more than two (2) million people. The County has three distinct geographical areas:

desert, valley and mountains.

The Court has 81 judges and17 subordinate judicial officers who hear court proceedings in 11 locations: Barstow, Big Bear, Colton, Fontana, Joshua Tree, Needles, Rancho Cucamonga, three (3) sites in San Bernardino, and Victorville. There are

1,139 employees on the census who service the needs of the Court by providing administrative and clerical support.

CURRENT PLAN:

Currently the Court offers 100% employer-paid Basic Life, as well as Voluntary Supplemental Life for employees, spouses/registered domestic partners, and children and Voluntary AD&D plans through Securian (Minnesota Life is a subsidiary of Securian). Securian has been the insurer prior to the Court separating from the County in 2010. In 2018, the basic life rate was $0.076 per $1,000 and in 2020, the rate was reduced to $0.032 per $1,000 and all other rates have been the same since 2010.

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REQUEST FOR PROPOSAL (RFP) CONTENT (YOU WILL NEED TO ACCESS THESE DOCUMENTS FROM THE COURT’S WEBSITE

PROVIDED BELOW):

• Securian Basic Supplemental Dependent Life, Voluntary AD& D Summary

• Securian 2018 – 2019 Rates

• Securian 2020 – 2022 Rates

• Securian 2023 – 2025 Rates

• Securian Basic Supp Dep Life and Vol ADD Summary

• Securian Term Life Certificate

• Securian Term Life Policy Amendment

• Securian Voluntary AD&D Certificate

• Securian Voluntary AD&D Policy Amendment

• Securian Experience for 2020 through 2024

• Securian March 2025 Premium Statement

• 2025 Benefit fair locations

• Life Vol ADD Supp Life RFP #22-03 Benefit Matrix – MANDATORY TO COMPLETE

• Superior Court of California, County of San Bernardino RFP (including attachments) – MANDATORY!! PLEASE READ AND HAVE YOUR COMPLIANCE REVIEW THE COURT’S TERMS AND CONDITIONS. ALL MANDATORY TERMS

AND CONDITIONS MUST BE ACCEPTED IN ORDER FOR YOUR PROPOSAL TO BE CONSIDERED.

MAIN PROPOSAL REQUIREMENTS:

1. Rates should be net of commission; 0%

2. Quote current level of benefits

3. The Court’s Voluntary/Supplemental Coverages have a “true open enrollment” each year allowing employees to elect or change coverage amounts within any applicable guarantee issue amount without evidence of insurability.

Please include this provision in your quote.

4. Please waive your “actively at work” requirement. If this cannot be removed then please ensure a “no loss, no gain” transition.

5. Please grandfather existing employees and dependent amounts that are in force prior to January 1, 2026.

6. Waive the binder check if required.

ADDITIONAL COURT PROPOSAL REQUIREMENTS:

A. The Court uses Phoenix SAP as their online eligibility system tied to its payroll to enroll employees; therefore, carrier feeds will need to be established on a bi-weekly frequency. Please include an implementation timeline for this feature. Go “live” date for eligibility feeds will be approximately December 3, 2025.

B. Eligibility: An employee appointed to a regular position budgeted for at least forty (40) hours per pay period or a contracted employee based on contract specifications.

C. Exempt Classification employees have 31 days from their employment date to enroll and 60 days from a qualifying event to provide Human Resources with proper documentation for enrollment. The same timeframe applies for mid-year status changes. All other classifications can enroll 31 days after they have completed 1,040 paid hours of satisfactory performance or during the annual open enrollment period.

D. Please explain your maternity leave claims process.

E. The Court is self-billed for all lines of coverage.

F. Please summarize the value-added benefits that are included in your proposal. State whether they are available in California only or also outside of California.

G. A highly motivated service-oriented Account Team with a dedicated contact will be a key element to the Court.

Please identify or describe your proposed Account Team and each Account Team member’s daily functions – please include support staff. Please provide location and the hours of operation and time zone for the Account Manager and Customer Service.

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H. Enrollment meetings/benefit fairs will be conducted at various locations to educate the employees on their benefits during their lunch hour. A representative from your company will be requested to attend. If you require a minimum number of employees to attend, please provide your guideline – if a carrier change is made, we request the minimum to be waived for the first open enrollment held this fall. Please provide a microsite where employees and dependents will be able to see the Court offerings and download summaries and value-added resources.

I. Please include your financial ratings for Standard & Poor’s, Moody’s Investors, and A.M. Best.

J. Please provide a detailed implementation timeline assuming open enrollment takes place in November.

K. The Court is requesting rate guarantee(s) for five (5) years, one for the initial term, and one for an option to renew in the second year through fifth year. The option to extend the contract in year 2 through 5 is exercisable at the sole discretion of the Court.

L. Please refer to the following websites for other benefit related RFPs: https://caleprocure.ca.gov/pages/Events- BS3/event-search.aspx and http://www.sb-court.org/GeneralInfo/RequestforProposal.aspx.

M. What has your client retention percentage been over the last three years in California for your proposed products?

N. Please include optional funds that can be used to cover the costs for wellness and benefits promotion. Please provide the details on how the Court would access the funds (i.e. Pre-approval for expenses, reimbursement by service or lump sum).

O. Please include a performance guarantee based upon implementation, service standards, etc. for the Court’s consideration.

P. Please provide 3 references of public sector clients in California of similar size, industry, and geographic location.

The Court will contact the references if interviews are required.

IMPORTANT: The Court has stringent requirements in their formal RFP that must be followed in order for your bid to be considered. Please read the Court RFP document that is posted on the procurement website very carefully. A

Compliance representative of your company must review and accept all mandatory terms and conditions prior to signing off in order for your proposal to be accepted.

QUESTIONS ON RFP?

In compliance with the Court’s RFP practices, DO NOT contact the USI team directly. All questions pertaining to this RFP, attachments, and exhibits should be submitted to scccsb.rfp@usi.com and must include the RFP title: Life Insurance Benefit Plans and number: RFP #25-02 Deadline for questions is July 14, 2025, 1:15pm., PT – late questions will not be accepted. Answers are scheduled to be posted on July 18, 2025 (estimated).

RFP SUBMISSION GUIDELINES:

Please send one hard copy of your proposal to USI Insurance Services (address below) via FedEx, UPS or hand deliver. It must be received by FRIDAY, JULY 25, 2025, by 1:15 P.M., PT.

USI Insurance Services Attn: SCCCSB RFP Team RFP #25-02 21250 Hawthorne Blvd., Suite 380

Torrance, CA 90503 Tel: (424) 390-0000 (for delivery purposes only)

✓ In addition, please provide USI with an electronic version of your proposal to scccsb.rfp@usi.com – the rate or fee information and benefits matrix should be in excel; all others should be in pdf format with live links. The bidder must include the RFP name: Life Insurance Benefit Plans and number: RFP #25-02on the subject line of the email.

Please submit the email by 1:15pm PT on July 24, 2025.

https://caleprocure.ca.gov/pages/Events-BS3/event-search.aspx https://caleprocure.ca.gov/pages/Events-BS3/event-search.aspx http://www.sb-court.org/GeneralInfo/RequestforProposal.aspx mailto:scccsb.rfp@usi.com mailto:scccsb.rfp@usi.com

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✓ You will be notified of the best and final offer (BAFO) opportunity on July 28, 2025, and it will be due on July 31, 2025 by 1:15pmPT.

Please no elaborate printing or binding desired, rather focus on complete, clear, and concise content.

The due date has been set strategically in order to prepare the presentation to the Court’s Employee Benefits Advisory

Committee (EBAC) in August with the final recommendations going to the Judges in September for approval. Please note that carrier reference calls may be conducted on August 26, 2025 and interviews may be conducted on August 28, 2025, if necessary.

This is a blind bid where submitted proposals are not shared in the market. You will have an opportunity to improve upon your proposal during the BAFO. We do reserve the opportunity to negotiate with the finalists.

Sincerely, Pam Rodrigues

Account Manager

Attachments

Cc: San Bernardino Superior Court Gary Delaney, Joy Giblin and Christine Kwock: USI Team