Company: TIPT
Filing Date: 2025-10-17
Form Type: PREM14A
Source: 0001140361-25-038514
Chunk: 137

Company: TIPTREE INC.
Filing Date: 2025-10-17
Form: PREM14A
Chunk 137
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 being in full force and effect, and the waiting periods, clearances, approvals and/or consents (as applicable) and any other additional regulatory approvals having expired, been terminated or been obtained (as applicable), in each case, without the imposition of the applicable burdensome condition on Purchaser or its affiliates or on the surviving corporation and its affiliates from and after the closing, are conditions to the obligations of each party to the Merger Agreement to consummate the transactions contemplated by the Merger Agreement.

The foregoing consents, approvals, authorizations, waivers, filings or notifications, and the additional regulatory approvals are collectively referred to herein as the “Regulatory Approvals Conditions.”

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#### TABLE OF CONTENTS

### THE MERGER AGREEMENT
This section describes the material terms of the Merger Agreement. The description of the Merger Agreement in this section and elsewhere in this proxy statement is qualified in its entirety by reference to the complete text of the Merger Agreement, a copy of which is attached as Annex A and is incorporated by reference into this proxy statement. This summary does not purport to be complete and may not contain all of the information about the Merger Agreement that is important to you. We encourage you to read the Merger Agreement carefully and in its entirety.

#### Explanatory Note Regarding the Merger Agreement
The Merger Agreement, a copy of which is attached as Annex A, and this summary of its terms are included to provide you with information regarding its terms. Factual disclosures about Tiptree contained in this proxy statement or in Tiptree’s public reports filed with the SEC may supplement, update or modify the factual disclosures about Tiptree contained in the Merger Agreement. Any material facts in Tiptree’s public reports previously filed with the SEC that are incorporated by reference into this proxy statement that contradict the factual disclosures about Tiptree contained in the representations and warranties in the Merger Agreement will modify such factual disclosures. The representations, warranties and covenants made in the Merger Agreement by Tiptree, Fortegra, Purchaser and Merger Sub were made solely to the parties to, and solely for the purposes of, the Merger Agreement and as of specific dates and were qualified and subject to important limitations agreed to by Tiptree, Fortegra, Purchaser and Merger Sub in connection with negotiating the terms of the Merger Agreement. In particular, in your review of the representations and warranties contained in the Merger Agreement and described in this summary,