Employee/Executive Benefits


Can you relate to the above employer? 

Check out our video to see how our approach to healthcare can benefit your business


Our Focus- Compliance, Strategy, Budget, and Culture

In the ever-changing healthcare landscape employers need a strategic proactive approach in order to provide a comprehensive benefits package so they can retain and attract top talent while also complying with new amendments to the healthcare law. Brock & Spencer Benefits LLC (BSB) is here to provide a proven solution to employers of all sizes. Our Benefits team has developed a personalized review process tailored to each specific employer’s needs in order to analyze every aspect from benefits plans, regulatory obligations, voluntary benefits, retirement plans to human resources. The in-depth analytic approach means our clients know exactly where they stand from costs to compliance, at the same time are confident their employees are offered plans which support their business’s culture.

BSB is affiliated with the top brokerage in the company, National Financial Partners (NFP)/Benefit Partners, which allows BSB to implement innovative solutions with the same level of service clients expect from a local agent. 

“Brock & Spencer Benefits joined Benefits Partners to add value to their practice by differentiating themselves from the competition with leading-edge thinking, preferred carrier relationships, best-of-breed products and services that could keep their clients ahead of the curve. The agents at Brock & Spencer Benefits do an excellent job in using their industry expertise, local market knowledge and in-depth understanding of benefit plans to develop customized packages,” states Robin Johnston, VP of New Member Development at NFP.

 As a member of Benefits Partners, Brock & Spencer Benefits has access to the following resources:

  • Partnerships that provide a vast national intellectual exchange network where firms in the industry share leading-edge ideas and benefits strategies.
  • Preferred access to key carrier relationships allowing unique leverage and buying power with carriers in multiple lines of business.
  • Compliance and regulatory support including a dedicated compliance team and industry attorneys that assist with any complex compliance or regulatory questions. The team’s expertise includes a wide variety of benefits compliance topics, including health reform, PPACA, COBRA, HIPAA, ERISA and FMLA.

 “Our NFP affiliation has provided our firm the caliber of resources that a client would expect from a large consulting firm without sacrificing our independence and high-touch service model. With the ever-changing Healthcare Reform, employers have more responsibility than ever before in areas of plan options, employee education, and compliance obligations. With resources from Benefits Partners, we can be proactive and absorb the burden of responsibility for our clients,” says Justin White, Partner at Brock & Spencer Benefits.

BSB is here to guide its clients through every question that arises. Here are just a few.

  1. How much will I have to pay if I drop my plan?
  2. How much will I have to pay if I keep my current plan?
  3. How do I determine if an employee is full time?
  4. Is my plan in compliance?
  5. Will I pay a penalty if I have fewer than 50 employees?
  6. What if I have over 51 employees? What should I do?

Full Range of services

-          Customized benefit booklets

-          Tailored plan designs

-          In house benefits exchange

-          NFP

-          Compliance Dept

-          Benchmarking

-          Cert Healthcare reform specialists

-          Compliance updates

-          Customized audit- HR/Benefits/Reform

-          Eligibility audit



  • Medical Insurance Plan- H.S.A./H.R.A./Self-Funding
  • Life Insurance/AD&D
  • Disability Income- STD/LTD
  • Dental/Vision
  • Long Term Care

Voluntary Benefits

  • Life Insurance (Term/Permanent)
  • Disability Income
  • Supplemental Health ( Cancer/Critical Illness)
  • Dental/Vision
  • Worksite Products

Executive Benefits

  • Key Man
  • Buy/Sell Agreements
  • Deferred Compensation
  • SERP


Brock & Spencer Benefits Team-

Defo Spencer- President- Defo@brockins.com

Justin White- Partner- NAHU Certified Healthcare Reform Specialist- JustinW@brockins.com

Cheryl Norman- Account Manager- CherylN@brockins.com

Jennifer Boldin- Account Manager- JenniferB@brockins.com

Julie Higgins- Account Manager- JulieH@brockins.com

Tara Hurt- Account Manager- TaraH@brockins.com

Phone: 706-866-3883


Securities offered through NFP Advisor Services, LLC. (NFPAS), member FINRA/SIPC. Brock & Spencer Benefits, LLC is a member of NFP Benefits Partners a platform of NFP Insurance Services, Inc. (NFPISI), an affiliate of NFPAS. Brock & Spencer Benefits, LLC is not affiliated with NFPAS and NFPISI.




Brock Insurance Agency
823 Chickamauga Avenue | Rossville, GA 30741

218 Manufacturers Road | Chattanooga, TN 37405

Privacy Statement

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Brock & Spencer Benefits, LLC is a member firm of BenefitsPartners a platform of NFP Insurance Services, Inc. (NFPISI), which is an affiliate of Kestra IS. Brock & Spencer Benefits, LLC is not affiliated with Kestra IS or NFPISI.
Check the background of this firm on FINRA's Broker Check - http://brokercheck.finra.org/

This site is published for residents of the United States only. Registered Representatives of Kestra Investment Services, LLC and Investment Advisor Representatives of Kestra Advisory Services, LLC, may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact our Compliance department at 512-697-6000.