Exzeo Group (XZO) CEO buys 2,000 shares, holds 5M-share option

Rhea-AI Filing Summary

Exzeo Group, Inc. Chief Executive Officer and director Paresh Patel made an open-market purchase of 2,000 shares of common stock at $15.13 per share. Following this trade, he directly holds 1,610,013 common shares, indicating a modest increase to an already substantial position.

In addition to his share ownership, Patel also holds a stock option granted on October 1, 2021 to buy 5,000,000 shares of common stock at an exercise price of $23.00 per share, expiring on October 1, 2031. The option vested over time, with one quarter vesting on October 1, 2022 and additional portions vesting on specified calendar dates thereafter.

Insider Trade Summary 10b5-1

Net Buyer: 2,000 shares ($30,260)

Net Buy 2 txns

Insider Patel Paresh

Role Chief Executive Officer

Bought 2,000 shs ($30K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	2,000	$15.13	$30K
holding	Stock Option (Right to Buy)	--	--	--

Holdings After Transaction: Common Stock — 1,610,013 shares (Direct); Stock Option (Right to Buy) — 5,000,000 shares (Direct)

Footnotes (1)

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Key Figures

Shares purchased: 2,000 shares Purchase price: $15.13 per share Shares owned after trade: 1,610,013 shares +3 more

6 metrics

Shares purchased 2,000 shares Open-market common stock purchase on April 13, 2026

Purchase price $15.13 per share Price paid for 2,000 common shares

Shares owned after trade 1,610,013 shares Direct common stock holdings following the purchase

Option exercise price $23.00 per share Exercise price for the 5,000,000-share stock option

Option underlying shares 5,000,000 shares Common shares underlying stock option granted October 1, 2021

Option expiration October 1, 2031 Expiration date of the stock option on Exzeo common stock

Key Terms

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

5 terms

open-market purchase financial

"transaction_action: open-market purchase of common stock"

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.

Stock Option (Right to Buy) financial

"security_title: Stock Option (Right to Buy) on common stock"

exercise price financial

"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.

vested financial

"The option vested with respect to one fourth of the shares"

expiration date financial

"expiration date: 2031-10-01T00:00:00.000Z for the option"

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)
04/13/2026

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	04/13/2026		P		2,000	A	$15.13	1,610,013	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 Baker, Attorney-in-Fact for Paresh Patel	04/14/2026
	** 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 purchased 2,000 shares of common stock in an open-market transaction at $15.13 per share. After this trade, his direct ownership increased to 1,610,013 shares, reflecting a modest addition to his stake.

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

After the reported transaction, Paresh Patel directly owns 1,610,013 shares of Exzeo Group common stock. This total includes the 2,000 shares he bought on April 13, 2026 at $15.13 per share in an open-market purchase, as disclosed in the filing.

What were the purchase terms in Paresh Patel’s latest Exzeo Group (XZO) trade?

Paresh Patel bought 2,000 Exzeo Group common shares in the open market at a price of $15.13 per share. The transaction involved non-derivative common stock and increased his direct holdings to 1,610,013 shares according to the Form 4 disclosure.

What stock options on Exzeo Group (XZO) does Paresh Patel hold?

Paresh Patel holds a stock option granted October 1, 2021 to purchase 5,000,000 shares of Exzeo Group common stock at an exercise price of $23.00. The option vests in tranches and expires on October 1, 2031, providing significant potential future share acquisition capacity.

How does the option for Exzeo Group (XZO) shares vest for Paresh Patel?

The option for 5,000,000 Exzeo Group shares vested 25% on October 1, 2022, with additional one-sixteenth portions vesting on each January 1, April 1, July 1, and October 1 thereafter. This creates a gradual vesting schedule over multiple years, aligning with ongoing service.

What is the expiration date of Paresh Patel’s Exzeo Group (XZO) stock option?

Paresh Patel’s stock option to purchase 5,000,000 Exzeo Group common shares at $23.00 per share expires on October 1, 2031. After that date, any unexercised portion of the option will no longer be exercisable under the terms described in the Form 4 and its footnote.