WILLIS TOWERS WATSON PLCWTW

WTW is scaling AI tools, automating workflows, deploying AI agents, and implementing its Neuron AI platform.

“wtwco.com Further Accelerating Performance and Enhancing Efficiency © 2026 WTW. All rights reserved. See “WTW Forward - Looking Statements“ above for information about forward - looking statements and cautionary language, including how actual results may differ materially from those in the slide presentation. 20 Health, Wealth & Career • Scaling AI tools across data ingestion and analysis workflows, delivering enhanced insights • Automating high - volume workflows and deploying AI agents to support internal and external administrative processes • Driving less client administrative work, faster service, and more colleague time on high - value advice Risk & Broking • Continuing to implement Neuron, our AI - powered operating platform, across the entire placement lifecycle • Building auditable, agent - assisted workflows that simplify complex processes and reduce manual work • Equipping brokers with intelligent tools that improve speed, accuracy, and client service Enterprise Functions • Embedding AI across finance, legal, HR, sales & marketing, and IT to automate and streamline core processes • Improving speed and strengthening decision - making • Reducing operating costs and creating a more scalable, efficient organization aligned to strategic priorities Scaling AI and automation to drive the next wave of growth and productivity”

Willis Towers Watson may not succeed in developing innovative technology and analytic solutions or attracting talent, which could adversely impact its business.

“Our success depends, in part, on our ability to develop and implement innovative technology, data and analytic solutions that anticipate, lead, keep pace with or respond to rapid and continuing changes in technology both for internal operations, for maintaining industry standards, meeting client preferences and gaining competitive advantage. We may not be successful in anticipating or responding to these developments in a timely and cost-effective manner or in attracting and maintaining personnel with the necessary skills in this area. Our ideas may not lead to the desired internal efficiencies or be accepted in the marketplace. In addition, we may not be able to implement technology-based solutions as quickly as desired if, for example, greater resources are required than originally expected or resources are otherwise needed elsewhere. The effort to gain technological and data expertise and develop new technologies or analytic techniques in our business requires us to incur significant cost and attract qualified technical talent who are in high demand. Our competitors are seeking to develop competing or new technologies, and their success in this space may impact our ability to differentiate our services to our clients through the use of unique technological solutions. If we do not keep up with technological changes or execute effectively on our strategic initiatives, our business and results of operations could be adversely impacted. For example, incorporating artificial in”

Advancing generative and agentic AI may create additional cybersecurity vulnerabilities and attack methods for adversaries targeting Willis Towers Watson.

“We depend on information technology networks and systems to process, transmit and store electronic information and to communicate among our locations around the world and with our alliance partners, insurance carriers/markets, clients and third-party vendors. We also maintain our clients’ confidential and proprietary information and the personal data of their customers and employees. Our information systems, and those of our third-party service providers and vendors, are vulnerable to an increasing threat of continually evolving cybersecurity risks. We regularly experience cyberattacks and are the target of computer viruses, hackers, distributed denial of service attacks, malware infections, ransomware attacks, phishing and spear-phishing campaigns, and other external hazards, as well as improper or inadvertent workforce behavior, which could expose confidential company and personal data systems and information, including information of our customers and employees, to security breaches. Further, the advance of both generative and agentic AI may give rise to additional vulnerabilities and potential entry points for cyber threats. With generative AI tools, threat actors may have additional tools to automate breaches or persistent attacks, evade detection, or generate sophisticated phishing emails or other forms of digital impersonation. In addition, increasing use of generative and agentic AI models in our internal systems may create new attack methods for adversaries. Because ”

Newfront uses advanced automation and agentic AI in its differentiated broking platform.

“The acquisition of Newfront expands WTW’s U.S. middle market capabilities and enhances its position in high-growth sectors including technology, fintech and life sciences. Newfront has built a differentiated broking platform supported by a growing producer base, proprietary client-facing technologies and the use of advanced automation and agentic AI.”

Acquisition brings agentic AI capabilities that complement WTW technology investments.

“Brings innovative technology and agentic AI capabilities that complement WTW’s recent technology, data and analytics investments and accelerate WTW’s technology strategy”

Newfront uses agentic AI and will accelerate WTW deployment of capabilities.

“The acquisition of Newfront expands WTW’s reach in the U.S. middle market and presence within high-growth specialties including technology, fintech and life sciences. Newfront’s two business segments, Business Insurance and Total Rewards, will be combined with WTW’s Risk & Broking (R&B) and Health, Wealth & Career (HWC) segments, respectively. Newfront has grown organic revenue at a 20% CAGR between 2018-2024, driven by its growing producer base, proprietary client-facing technologies and use of cutting-edge agentic AI. The integration of Newfront’s technology platforms and more than 120 producers will position WTW to accelerate deployment of capabilities across both R&B and HWC.”

Newfront agentic AI-driven placement automation will integrate with WTW platforms.

“Newfront’s technology platform complements WTW’s technology foundation and builds on its recent strategic investments in this area. Newfront has developed a modern client-facing interface, Navigator, and agentic AI-driven placement automation capabilities that allow Newfront to sell to and serve clients more productively than other brokers. Together with WTW’s digital trading platform (Neuron), risk models, data analytics and digital submission capabilities, these technologies will create an end-to-end digital ecosystem enabling brokers to serve clients of all sizes with greater speed, efficiency and intelligence. The combination of these systems will accelerate progress on WTW’s technology roadmap and strengthen capabilities across several strategic areas:”