FOR IMMEDIATE RELEASE TWFG Announces Unaudited Preliminary Fourth Quarter and Full Year 2024 Financial Results The Woodlands, TX –February 28, 2025 – TWFG, Inc. (“TWFG”, the “Company” or “we”) (NASDAQ: TWFG), a high-growth insurance distribution company, today announced preliminary unaudited financial highlights for the fourth quarter and full year ended December 31, 2024. The following results are preliminary, unaudited estimates and are subject to change. The Company is currently finalizing its fourth quarter and year end 2024 results, and as a result, these preliminary estimates are based solely on information available to management as of the date of this press release. The Company’s actual results may differ from these estimates due to the completion of its closing procedures, final adjustments and developments that may arise or information that may become available between now and the time the Company’s financial results are finalized. Preliminary highlighted results: • Expects total fourth quarter revenue to be between $49 million and $51 million, an increase of 23.8% and 28.9% compared to the fourth quarter of 2023 • Anticipates total full-year 2024 revenue to be between $201 million and $203 million, an increase of 16.5% and 18.2% compared to full-year 2023 • Expects total fourth quarter written premium to be $361 million, an increase of 20% compared to the fourth quarter of 2023 • Anticipates total full-year written premium of approximately $1.5 billion, an increase of 18% compared to full-year 2023 • Anticipates fourth quarter Organic Revenue Growth Rate to be between of 20.2% and 20.8% and full-year 2024 Organic Revenue Growth Rate of between 14% and 15% * Organic Revenue Growth Rate is a non-GAAP measure. A reconciliation of Organic Revenue Growth Rate to total revenue growth rate, the most directly comparable financial measure, is outlined in the reconciliation table accompanying this release. Conference Call and Full Earnings Release Date TWFG expects to release its full fourth quarter and full-year 2024 results mid-March followed by a conference call and webcast to discuss these results. Details for the call will be provided in the forthcoming earnings release. About TWFG TWFG (NASDAQ: TWFG) is a leading independent distribution platform for personal and commercial insurance in the United States, representing hundreds of insurance carriers. The Company provides innovative insurance solutions through its network of agents,

carriers, and technology-driven distribution models. For more information, visit www.twfg.com. Non-GAAP Financial Measures and Key Performance Indicator Non-GAAP Financial Measures Organic Revenue Growth included in this release is not a measure of financial performance in accordance with generally accepted accounting principles in the United States of America (“GAAP”) and should not be considered a substitute for any GAAP measures, including revenue which we consider to be the most directly comparable GAAP measure. Non-GAAP financial measures have limitations as analytical tools, and when assessing our operating performance, you should not consider non-GAAP financial measures in isolation or as substitutes for revenues, net income, or other consolidated financial statement data prepared in accordance with GAAP. Other companies may calculate non-GAAP financial measures differently than we do, limiting their usefulness as comparative measures. Organic Revenue Growth. Organic Revenue Growth is the change in Organic Revenue period-to-period, with prior period results adjusted to include revenues that were excluded in the prior period because the relevant acquired businesses had not reached the twelve- month-owned milestone but have reached the twelve-month owned milestone in the current period. We believe Organic Revenue Growth is an appropriate measure of operating performance because it eliminates the impact of acquisitions, which affects the comparability of results from period to period. A reconciliation of our expected Organic Revenue and Organic Revenue Growth Rate to Total Revenue and Total Revenue Growth Rate, the most directly comparable GAAP measures, is as follows (in thousands): Three Months Ended December 31, 2024 Twelve Months Ended December 31, 2024 Low End High End Low End High End Total revenues $ 49,000 $ 51,000 $ 200,500 $ 203,400 Acquisition adjustments(1) (100) (150) (3,650) (3,700) Contingent income (2,700) (3,850) (6,400) (7,550) Fee income (2,500) (3,000) (10,400) (10,900) Other income (200) (300) (1,300) (1,400) Organic Revenue $ 43,500 $ 43,700 $ 178,750 $ 179,850 Organic Revenue Growth(2) $ 7,323 $ 7,523 $ 22,025 $ 23,125 Total Revenue Growth Rate(3) 23.8 % 28.9 % 16.5 % 18.2 % Organic Revenue Growth Rate(2) 20.2 % 20.8 % 14.1 % 14.8 % (1) Represents revenues generated from the acquired businesses during the first 12 months following an acquisition. (2) Organic Revenue for the three months ended December 31, 2023, and for the twelve months ended December 31, 2023, used to calculate Organic Revenue Growth for the three months ended December 31, 2024, and for the twelve months ended December 31, 2024, was $36.2 million and $156.7 million, respectively, which is adjusted to reflect revenues from acquired businesses with over $0.5 million in annualized revenue that reached the twelve-month

owned mark during the year ended December 31, 2024. Organic Revenue Growth Rate represents the period-to-period change in Organic Revenue divided by the total adjusted Organic Revenue in the prior period. (3) Represents the period-to-period change in total revenues divided by the total revenues in the prior period. Key Performance Indicator Total Written Premium. Total Written Premium represents, for any reported period, the total amount of current premium (net of cancellation) placed with insurance carriers. We utilize Total Written Premium as a key performance indicator when planning, monitoring, and evaluating our performance. We believe Total Written Premium is a useful metric because it is the underlying driver of the majority of our revenue. Forward-Looking Statements This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. In some cases, you can identify these statements by forward-looking words such as “may,” “might,” “will,” “should,” “expects,” “plans,” “anticipates,” “believes,” “estimates,” “predicts,” “potential” or “continue,” the negative of these terms and other comparable terminology. These statements reflect management’s expectations based on currently available information and involve significant risks, uncertainties, and assumptions that may cause actual results to differ materially. Factors that may cause such differences include, but are not limited to, the finalization of the Company’s year-end financial results, economic conditions, and other risks detailed in the Company’s SEC filings. TWFG undertakes no obligation to update any forward-looking statements, except as required by law. Investor Contact: Gene Padgett, CAO TWFG, Inc. gene.padgett@twfg.com Media Contact: Alex Bunch TWFG, Inc. alex@twfg.com

C O N F I D E N T I A L 1 Preliminary Fiscal Year 2024

C O N F I D E N T I A L 2 Legal Disclaimer This disclaimer applies to this document and the verbal comments of any person presenting it. This presentation, together with any such written comments, is referred to herein as the "Presentation." Forward Looking Statements This Presentation may contain forward-looking statements. In some cases, you can identify these statements by forward-looking words such as “may,” “might,” “will,” “should,” “expects,” “plans,” “anticipates,” “believes,” “estimates,” “predicts,” “potential” or “continue,” the negative of these terms and other comparable terminology. You should not rely upon forward-looking statements as predictions of future events. All statements other than statements of historical facts contained in this Presentation, including information concerning our possible or assumed future results of operations and expenses, business strategies and plans, competitive position, business and industry environment and potential growth opportunities, are forward-looking statements. Forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by the forward-looking statements. Given these uncertainties, you should not place undue reliance on any forward-looking statements in this Presentation. Except as required by law, we disclaim any obligation to update any forward-looking statements for any reason after the date of this Presentation, or to update the reasons why actual results could differ materially from those anticipated in the forward-looking statements, even if new information becomes available in the future. Further information on potential factors that could affect the financial results of TWFG Insurance are included in our Registration Statement on Form S-1, as amended (Registration No. 333-280439) and in our other filings with the Securities and Exchange Commission ("SEC"). These documents and others containing important disclosures are available on the SEC Filings section of the Investor Information section of our Web site. Industry and Market Information This Presentation includes industry and market data that we obtained from periodic industry publications, third-party studies and surveys, including from Independent Insurance Agents & Brokers of America, Inc. (“Independent Insurance Agents & Brokers of America”) and S&P Global Market Intelligence Inc. (“S&P Global Market Intelligence”), as well as from filings of public companies in our industry, insurance carrier-provided information and internal company surveys. These sources include industry sources. Industry publications and surveys generally state that the information contained therein has been obtained from sources believed to be reliable. Although we believe the industry and market data to be reliable as of the date of this Presentation, this information could prove to be inaccurate. Industry and market data could be wrong because of the method by which sources obtained their data and because information cannot always be verified with complete certainty due to the limits on the availability and reliability of raw data, the voluntary nature of the data gathering process and other limitations and uncertainties. In addition, we do not know all of the assumptions regarding general economic conditions or growth that were used in preparing the forecasts from the sources relied upon or cited herein. Unless otherwise indicated, throughout this Presentation we reference our relative market positioning and performance as compared to the U.S. property and casualty insurance industry. The industry group metrics are based on the latest date for which complete financial data are publicly available such as a 2022 Future One Agency Universe Case Study containing 2022 industry data conducted by the Independent Insurance Agents & Brokers of America (the “Agency Universe Study”). The information contained in this Presentation is provided as at the date of this Presentation and is subject to change without notice. Financial Information This Presentation contains preliminary unaudited financial highlights for the fourth quarter and full year ended December 31, 2024. These results are preliminary, unaudited estimates and are subject to change. The Company is currently finalizing its fourth quarter and year end 2024 results, and as a result, these preliminary estimates are based solely on information available to management as of the date of this press release. The Company’s actual results may differ from these estimates due to the completion of its closing procedures, final adjustments and developments that may arise or information that may become available between now and the time the Company’s financial results are finalized. Non-GAAP Financial Measures In addition to providing financial information based on accounting principles generally accepted in the United States ("GAAP"), this Presentation includes certain financial measures prepared other than in accordance with GAAP, or non-GAAP financial measures, including Organic Revenue, Organic Revenue Growth, Adjusted Net Income, Adjusted Net Income Margin, Adjusted EBITDA, Adjusted EBITDA Margin, and Adjusted Free Cash Flow. Accordingly, these non-GAAP financial measures should not be considered as a substitute for data prepared and presented in accordance with GAAP and should not be construed as being more important than comparable GAAP measures. TWFG’s management believes these non-GAAP financial measures provide users of our financial statements with additional and useful comparisons of current results of operations with past and future periods. Although we use or have used these non-GAAP financial measures to assess the performance of our business and for other purposes, the use of these non-GAAP financial measures as an analytical tool has limitations, and you should not consider them in isolation, or as a substitute for analysis of our results of operations as reported in accordance with GAAP. In addition, because not all companies use identical calculations, the non-GAAP financial measures included in this Presentation may not be comparable to similarly titled measures disclosed by other companies, including our peers or other companies in our industry. Please see “KPI Information and Non-GAAP Reconciliations” and “Additional Reconciliations” within the Presentation for reconciliations of the non-GAAP financial measures included in the Presentation to our most directly comparable financial measures calculated and presented in accordance with GAAP.

C O N F I D E N T I A L 3 520+ TWFG Branches (2) 23 Years Of Operating History TWFG At a Glance: 20+ Year Track Record of Independence, Innovation, and Growth In Personal and Commercial Insurance Who We Are What We Do How We Do It Why We Are Different We are a founder-led, publicly traded (Nasdaq: TWFG), high-growth, independent distribution platform for personal and commercial insurance in the U.S. We pioneered a distribution and ownership model that is geared towards flexibility, efficiency, and alignment. We exist to serve our agents and agency principals through our retail and wholesale operations. We provide resources, technology, training, carrier access, and M&A opportunities to grow and succeed in an increasingly complex market. Developed and led by agents, for agents – we offer a distinctive level of autonomy and entrepreneurial opportunity to our agencies regardless of whether they started with us from scratch or joined us through acquisition. Notes: 1. Rankings based on revenue per Insurance Journal’s 2024 Top 100 Property / Casualty Agencies 2. As of Dec 31, 2024 3. YTD Dec 31, 2024 - Results are preliminary unaudited estimates and are subject to change 8th Largest U.S. Personal Lines Agency (1) $1.5Bn+ Total Written Premium (3) 2,000+ TWFG MGA Agencies in 40+ States (2) Market Leader with Rich Heritage and Scaled, National Platform 27th Largest Agency Across All Lines (1) Multi-Line – Retail – Wholesale – Admitted – Non-Admitted

C O N F I D E N T I A L 4 Independent Agencies 38% Captive Agencies 35% Direct Distribution ("DTC") 26% TWFG’s Business Model Was Built to Capture a Shift Away from Captive Distribution Source: Independent Insurance Agents & Brokers of America Homeowners Premium Mix by Distribution (%) 33 33 48 35 17 32 2011 2021 Auto Premium Mix by Distribution (%) Independent Agencies Captive Agencies DTC • Accelerating momentum toward the independent channel • Carriers looking to consolidate points of distribution • DTC carriers increasingly utilizing independent channel to reach consumers (16 ppts) Large Share of Personal Lines Distribution Is Captured by the Independent Channel … … Reflecting a Decade-Long Shift Away from Captive Distribution (13 ppts) 41 49 51 35 5 15 2011 2021

C O N F I D E N T I A L 5 Top Challenges Faced by Agencies TWFG Addresses Key Pain Points Experienced By Captive and Independent Agencies To p Is su es TW FG S ol ut io ns Perpetuation planning Opportunity to sell or transfer existing books of business enabling a smooth handover of client relationships and a rewarding exit for retiring agents Back-office inefficiencies Agency-in-a-Box turnkey solution delivers tools and technology that streamline back- office services and allow agents to focus on sales Limited product choice Access to a comprehensive suite of products; high degree of autonomy over the direction of business to best address client needs Changing commission structures Compelling revenue and work share model; no sales quotas, no forced cross-selling Access to carriers Access to 300+ insurance carriers, MGAs and programs across admitted and non- admitted markets

C O N F I D E N T I A L 6 272 284 292 296 305 321 342 357 404 451 479 268 281 293 310 330 350 363 365 386 417 477 540 565 586 607 635 671 705 722 790 868 956 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Commercial Personal TWFG Operates in a Large and Growing Addressable Market P&C Insurance Market Exhibits Consistent Growth Premium CAGR (2013-23): 5.9% Total P&C 5.9% Personal Lines 5.8% Commercial Source: S&P Global Market Intelligence P&C Insurance Direct Written Premium Over Time ($Bn)