Carter Kowalski

Carter Kowalski, Secura Consultants, Partner
952-641-5203
carter@securaconsultants.com

Myra Moxley

Myra Moxley, Quoting and Renewal Specialist
205-848-8100 ext 110 | Fax (205) 848-8102

Myra Moxley joined Providence Benefits in November 2024. Myra brings over 25 years experience as an Account Manager and Sales Professional with a major PEO organization providing comprehensive group benefits and HR solutions. Myra enjoys spending time with her two children and three grandchildren.

John M. Hurry

John joined Providence Benefits as Director of Group Benefits. He worked his way through Auburn University as an underwriter for Gulf Guaranty, a major GAP insurance carrier. An Auburn graduate with a degree in actuarial science, John then served with a major PEO organization providing payroll services and comprehensive benefits.

John is your "go-to" back office specialist for all your Group Benefit needs at Providence Benefits - from new opportunities to renewal support and ongoing service with the carriers. 

Chris Harris

Chris Harris, Internal Business Specialist - Employee Benefits
205-848-8100
charris@providencebenefits.com

Chris holds a degree in Hotel and Restaurant Management from Auburn University and has gained valuable experience from his time training and working at various organizations such as Walt Disney World and Marriott.

Butch Franklin

Butch Franklin, Sr. Partner - Mobile, AL
251-639-0635
bfranklin@providencebenefits.com

C.H. (Butch) Franklin is a Sr. Partner at Providence Partners. Butch attended the University of South Alabama for 2 years before entering the insurance industry on January 2nd, 1982, and discovering his passion for helping people with their insurance needs.

Jay Stubbs

Leadership

Jay Stubbs, CLU, Sr. Partner and Risk Management Specialist

Jay Stubbs has been a student and leader of the insurance business since 1999. With extensive risk management knowledge, he can easily communicate the opportunities for planning and problem solving in life insurance, disability, and long-term care. And with that knowledge, Jay can advise the advisor, as well as the consumer, in areas of family need, business protection and retirement planning.

Vicki Miller

Customer Support

Vicki Miller, Case Implementation Specialist
205-848-8100
vmiller@providencepartners.org

Vicki Miller comes to us with 18 years experience as the Director of Life Case Management at First Protective. Vicki will be your go to for handling both regular and complex cases, helping with proposals, tracking underwriting and getting your cases issued faster. Her legendary experience will be to your benefit!

What constitutes a major medical plan?

A major medical plan must be a group medical plan (whether a fully insured plan or an employer sponsored self-funded plan) that provides benefits for hospital confinements and requires you to pay a deductible and/or portion of coinsurance. A major medical plan does not include Medicare, Medicaid or government sponsored programs not typically considered major medical coverage (such as, but not limited to, veterans’ benefits, etc.)

13 Aug
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What is SUSTAINABLE GAP?

By amartin 0 Comments

In the state of Alabama GAP Insurance has a bad reputation because of the many rate increases the plans have had historically. Some companies have been moved to different insurance companies or different Third-Party Administrators 5 or 6 times in the past 6-7 years. Many well-intended brokers have blamed the carriers or the TPA’s for the rate increases and worked hard to find a carrier that promises they will not give a rate increase. What we are continuing to see is carriers over promise and then give a rate increase in a year, or two at most.

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