Pro Client Guide
Sandy Benson
Term Life Specialist
Sandy Benson is our Term Life Specialist. She helps families and professionals find the right term coverage, especially people who’ve been declined, rated, or rushed somewhere else.
Experience
15+ years
Licenses
- Licensed Life Producer in 49 states
Credentials & Achievements
- Former corporate controller, with a degree in accounting and finance
- Former term brokerage manager, overseeing term operations for a national brokerage
- Top-producing agent for a national online term life agency
- Contracted with roughly 30 carriers across term, final expense and whole life
About Sandy
Background
Sandy started her career with the numbers. After earning a degree in accounting and finance, she spent years as a corporate controller for technology companies in the Bay Area.
In her early forties she changed course, earned her real estate license, and discovered she had a gift for helping people over the phone: listening carefully, asking the right questions, and making complicated decisions simple. When the 2008 recession reshaped the real estate world, she earned her life insurance license and found the work she was made for.
She learned the business sitting beside one of the top term agents in the country, and the two of them became one of the most productive teams in the industry. As a top-producing agent for a fast-growing online term agency, she was known for her speed, her case management, and her ability to place the cases other agents gave up on. She later went on to manage term operations for a national brokerage for six years before returning to the work she loves most: helping clients directly.
Philosophy and Approach
Sandy will tell you something most people don’t know: the price of a term policy is set by the insurance company and is the same no matter which agent you use. So you’re not really shopping for a price. You’re shopping for an agent.
What that agent does makes the difference. Every carrier evaluates health, history and lifestyle differently, and a decline or a high rating from one company is often just the wrong company. Sandy shops the right carriers for each client’s situation and works the case until it’s placed at the best rate available.
She sees herself as a consultant, not a salesperson. There’s no quota driving her calls and no clock pushing clients off the phone.
So she prioritizes:
- Matching each client to the carrier that sees them the right way
- Telling clients plainly what to expect from underwriting
- Getting coverage in force quickly, without cutting corners
- Making sure clients who need more than term know their options
Current Focus
Sandy works with professionals, business owners and families who need serious coverage: people whose advisor told them it’s time, people who just lost group coverage leaving a job, business owners who need key person or loan-related coverage, and people who were turned down somewhere else. For many of her clients, term life is the start of a longer relationship with the Insurance & Estates team.
Ready to talk it through with Sandy?
A Fit Call is a conversation, not a pitch. Bring your numbers and your questions, leave with a clear picture of whether this strategy fits your situation.