Exzeo Group (XZO) CEO Paresh Patel buys 2,000 shares in market trade

Rhea-AI Filing Summary

Exzeo Group, Inc. director and CEO Paresh Patel reported buying 2,000 shares of common stock in an open-market transaction at $12.82 per share. After this purchase, he directly owns 1,666,013 common shares.

The filing also shows a previously granted stock option giving him the right to buy 5,000,000 common shares at $23.00 per share, expiring on October 1, 2031. According to the footnote, this option was granted on October 1, 2021 and vests over time, with one quarter vesting on October 1, 2022 and additional portions vesting each January 1, April 1, July 1, and October 1 thereafter.

Insider Trade Summary 10b5-1

Net Buyer: 2,000 shares ($25,640)

Net Buy 2 txns

Insider Patel Paresh

Role Chief Executive Officer

Bought 2,000 shs ($26K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	2,000	$12.82	$26K
holding	Stock Option (Right to Buy)	--	--	--

Holdings After Transaction: Common Stock — 1,666,013 shares (Direct, null); Stock Option (Right to Buy) — 5,000,000 shares (Direct, null)

Footnotes (1)

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Key Figures

Open-market purchase: 2,000 shares Purchase price: $12.82 per share Common shares owned: 1,666,013 shares +4 more

7 metrics

Open-market purchase 2,000 shares Common stock bought on May 21, 2026

Purchase price $12.82 per share Price paid for 2,000 common shares

Common shares owned 1,666,013 shares Direct holdings after the reported purchase

Stock option size 5,000,000 shares Underlying common shares for option grant

Option exercise price $23.00 per share Exercise price of stock option

Option expiration October 1, 2031 Expiration date of stock option

Initial option grant date October 1, 2021 Grant date from footnote

Key Terms

Stock Option (Right to Buy), open-market purchase, exercise price, vesting, +1 more

5 terms

Stock Option (Right to Buy) financial

"security_title: "Stock Option (Right to Buy)" tied to 5,000,000 underlying shares"

open-market purchase financial

"transaction_action: "open-market purchase" for 2,000 common shares"

An open-market purchase is when an investor or a company buys shares on a public stock exchange at the going market price, rather than through a private deal. It matters to investors because these purchases change how many shares are available, can push the stock price up or signal confidence from large buyers, and often affect per-share metrics like earnings—think of it like someone buying lots of apples off a grocery shelf, reducing supply and potentially raising the price.

exercise price financial

"conversion_or_exercise_price of $23.0000 per share for the option"

The exercise price is the fixed amount at which you can buy or sell an asset, like a stock, when using an options contract. It matters because it helps determine whether exercising the option will be profitable or not, depending on the current market price. Think of it as the set price you agree on today to buy or sell later.

vesting financial

"footnote describes option vested with respect to one fourth of the shares on October 1, 2022"

Vesting is the process by which you earn full ownership of something, like company stock or a retirement benefit, over time. It’s like earning the right to keep a gift piece by piece the longer you stay with a company, making sure employees stay committed before they receive all the benefits.

expiration date financial

"expiration_date: "2031-10-01" for the stock option grant"

The expiration date is the deadline after which a financial contract, such as an option or a futures agreement, is no longer valid or can be exercised. It matters to investors because it determines the timeframe during which they can take action or benefit from the contract, similar to how a coupon or a food item has a limited period of usefulness. Once the expiration date passes, the contract loses its value or ability to be used.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

X

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Patel Paresh

(Last) (First) (Middle)

1000 CENTURY PARK DRIVE

(Street)

TAMPA FLORIDA 33607

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Exzeo Group, Inc. [ XZO ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Executive Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/21/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	05/21/2026		P		2,000	A	$12.82	1,666,013	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Option (Right to Buy)	$23							(1)	10/01/2031	Common Stock	5,000,000		5,000,000	D

Explanation of Responses:

1. On October 1, 2021, the reporting person was granted an option to purchase 5,000,000 shares of common stock. The option vested with respect to one fourth of the shares on October 1, 2022 and with respect to one sixteenth of the shares on each January 1, April 1, July 1 and October 1 thereafter.

	/s/ Brook A. Baker, Attorney-in-Fact for Paresh Patel	05/22/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did Exzeo Group (XZO) report for Paresh Patel?

Exzeo Group reported that CEO and director Paresh Patel bought 2,000 shares of common stock in the open market at $12.82 per share. Following this transaction, he directly holds 1,666,013 common shares, according to the Form 4 filing.

At what price did Exzeo Group CEO Paresh Patel buy XZO shares?

Paresh Patel purchased 2,000 Exzeo Group common shares at $12.82 per share in an open-market transaction. This price reflects what he paid for each share on May 21, 2026, as disclosed in the insider trading report.

How many Exzeo Group shares does Paresh Patel own after this Form 4?

After the reported transaction, Paresh Patel directly owns 1,666,013 shares of Exzeo Group common stock. This total includes his holdings after buying 2,000 additional shares in the open market at $12.82 per share.

What stock options for Exzeo Group does Paresh Patel hold?

Paresh Patel holds a stock option to purchase 5,000,000 Exzeo Group common shares at an exercise price of $23.00 per share. The option was granted on October 1, 2021 and vests in tranches through regular quarterly vesting dates until fully vested.

When do Paresh Patel’s Exzeo Group stock options expire?

Paresh Patel’s stock option to buy 5,000,000 Exzeo Group common shares at $23.00 per share expires on October 1, 2031. The Form 4 indicates the option vests over time, with portions vesting on specified quarterly dates.

How does the Form 4 classify Paresh Patel’s Exzeo Group share purchase?

The transaction is classified as an open-market purchase, coded “P” on the Form 4. This indicates he actively bought 2,000 shares of Exzeo Group common stock rather than receiving them as a grant or through an option exercise.