Clint L. Frey, CLU, ChFC

    With more than 25 years insurance experience Clint holds designations of Chartered Life Underwriter and Chartered Financial Consultant and is a NASD registered securities representative. He is a Life Member of the prestigious Million Dollar Roundtable, a member of the Society of Financial Service Professionals, and the Birmingham Estate Planning Council. Clint has served on the Advisory Board of Birmingham, Alabama accounting firm Warren, Averritt, Kimbrough & Marino PC. Clint is a graduate of Samford University with degrees in Physics and Mathematics and sits on the Samford University Planned Giving Advisory Board. He is a member of National and Alabama Association of Life Underwriters. He is a member of Rotary of Cullman and in 1999 was chosen Small Business Person of the Year by the Cullman Area Chamber of Commerce for excellence in Small Business and community activity.
Sonya K. Hembree, RHU
    has more than 10 years of experience in employee benefits and group insurance. She holds the Registered Health Underwriter designation from The American College and is a member of the National and Birmingham Health Underwriters Associations. Sonya is currently completing requirements for certification as a Registered Employee Benefits Consultant. She previously served as a legal assistant and trial paralegal primarily involved in insurance defense for a prominent Birmingham, Alabama insurance defense law firm. Sonya currently serves as a Vice President on the Board of Directors of Cullman Area Chamber of Commerce where she is also active and has chaired the Member Services and Existing Business and Industry Committees. She is officer for the Business and Professional Women's (BPW)/Cullman and is a Charter Member of Kiwanis Cullman Morning Club. Sonya has served as a Victim's Advocate for the Center for Domestic Violence of Cullman and is a former member of the Cullman County District Court Domestic Violence Task Force.

Michael T. Newman
    has more than 15 years of experience designing, implementing and communicating employee benefit plans. After earning a Bachelor's Degree in Human Resources from The University of Alabama he served as Director of Human Resources for two large employers before joining Aetna's Employee Benefits division for eight years as Senior Account Representative for Alabama and West Florida. In 1995 Mike became the Director of Sales and Marketing for Foundation Health in Alabama and assisted in the plan's successful Alabama licensing application. He later served as Foundation Health's Executive Director in Alabama until it was sold in 1997. Mike is past Vice President of Birmingham Association of Health Underwriters, a member of National Association of Health Underwriters and a member of the Sunrise Rotary Club. Mike is currently completing requirements for the designation of Certified Employee Benefits Specialist.