[Form 4] Exzeo Group, Inc. Insider Trading Activity

Exzeo Group, Inc. reported insider trading activity by its General Counsel on 12/18/2025.

Rhea-AI Filing Summary

Exzeo Group, Inc. reported insider trading activity by its General Counsel on 12/18/2025. The officer sold 3,896 shares of common stock at $19.58 per share to cover tax withholding tied to restricted stock unit vesting, and purchased 10,020 shares at the same price. Following these transactions, the officer directly owned 248,026 shares of common stock and indirectly held 1,000 shares through a spouse.

The filing also shows a stock option with the right to buy 100,000 shares of common stock at an exercise price of $23 per share, expiring on 10/01/2031. This option was originally granted on October 1, 2021 for 5,000,000 shares, with vesting beginning in 2022 and continuing in scheduled installments.

Insider Trade Summary

Net Buyer: 10,020 shares

Net Buy 4 txns

Insider Baker Brook Armstrong

Role General Counsel

Bought 10,020 shs ($196K)

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock	3,896	$19.58	$76K
Purchase	Common Stock	10,020	$19.58	$196K
holding	Stock Option (Right to Buy)	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 248,026 shares (Direct); Stock Option (Right to Buy) — 100,000 contracts (Direct); Common Stock — 1,000 shares (Indirect, By Spouse)

Footnotes (2)

1. F1. The disposal reported on this Form 4 represents shares sold by the Reporting Person to cover tax witholding obligations in connection with the vesting and settlement of RSUs.
2. F2. 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.

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Accepted by SEC EDGAR 12/22/2025 - 04:05 PM EST Learn about SEC filing dates

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).

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^*

Baker Brook Armstrong

(Last) (First) (Middle)

1000 CENTURY PARK DRIVE

(Street)

TAMPA FL 33607

(City) (State) (Zip)

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

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

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	General Counsel

3. Date of Earliest Transaction (Month/Day/Year)
12/18/2025

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

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

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

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	12/18/2025		F		3,896	D(1)	$19.58	238,006	D
Common Stock	12/18/2025		P		10,020	A	$19.58	248,026	D
Common Stock								1,000	I	By Spouse

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							(2)	10/01/2031	Common Stock	100,000		100,000	D

Explanation of Responses:

1. The disposal reported on this Form 4 represents shares sold by the Reporting Person to cover tax witholding obligations in connection with the vesting and settlement of RSUs.

2. 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 Armstrong Baker	12/22/2025
	** 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.