About FMO
The one-stop support hub for health benefits brokers and agents.
We build the bridge to grow your business.
Support for health benefits brokers
Grow Your Business
Focus on what’s next. Nexben’s FMO arms you with everything you need to:
- Improve your operations
- Access tools and resources on demand
Mentoring for New Brokers
Nexben FMO’s support for new brokers covers:
- Key products
- Book of business management
- Compliance requirements
- Marketing support
- Effective sales skills
Nexben FMO Marketing Support
- Nexben FMO specialists understand your need for effective marketing
- Expenses add up fast. Mailings, rentals, branding. Our co-op marketing program helps cover it
- You need to ensure compliance with CMS regulations. We’ve got your back
TAMMY DEUR
Principal of Agency
Tammy leads the Nexben General Agency, developing business growth strategies and providing guidance and support for sales and service associates. With her considerable experience, Tammy has a vast knowledge of products, processes, and trends—as well as an extensive network of long-term professional relationships with employees, agents, carrier reps, and industry partners. Although Tammy works primarily with agents, she knows her work impacts friends, neighbors, and the community by ensuring they have the right insurance products in place to support their lives and provide peace of mind.
Tammy has held her Life & Health insurance license since 1994, maintains annual Medicare and FFM Certifications, and holds a Registered Employee Benefits Consultant (REBC) designation.
616.737.6375 | tkdeur@nexben.com
ROB WILLIAMS
Sales Director
Rob assists agents as a Sales Director, providing training, marketing, and compliance support. As a former Medicare and Individual Medical agent, Rob understands the real challenges agents face in the field—and how to overcome them. Rob enjoys how his role empowers agents with the knowledge and tools to help find their clients the best coverage possible.
Rob has been Medicare certified since 2008 and has maintained a Marketplace certified for each year the Health Insurance Marketplace has existed. He also holds a Certified Insurance Counselor (CIC) designation.
616.900.9175 | rwilliams@nexben.com
BELINDA ROBINSON
Sales Consultant
Belinda Robinson assists agents as a Sales Consultant at Nexben with nearly 20 years of insurance industry experience. Since 2009, she has specialized in Medicare, supporting agents, agencies, and their clients with expert guidance and personalized care. Her background in account management has equipped her with a deep understanding of product offerings and strengthened her ability to build lasting relationships across the industry.
Belinda thrives on working with agents from the onset and seeing their growth come to full fruition. Helping a new agent excel and thrive is especially exciting to her. She believes her greatest impact lies in building and nurturing relationships across the industry, with a strong focus on growing the Southeast region of Michigan.
616.330.3234 | brobinson@nexben.com
KRISTIN RAY
Sales and Marketing Consultant
Kristin Ray serves as a Sales and Marketing Consultant, bringing a unique perspective shaped by her experience on both the agency and carrier sides of the insurance industry. She specializes in helping agents solve challenges and spark engagement through a wide range of marketing strategies tailored to their goals and audiences.
Kristin is a licensed Life and Health insurance agent and has held her Medicare certification since 2019. She is a passionate advocate for agents and the vital role they play in guiding individuals and families toward the coverage that best supports their lives. Her work reflects a deep commitment to empowering agents and enhancing the customer experience through strategic, thoughtful communication.
616.900.9087 | kray@nexben.com
CAROLINE SMITH
Director of Sales Support
Caroline leads the Sales Support team at Nexben, which provides support to agents and the General Agency team and manages General Agency communications. Her role provides organization and direction for the team—making sure things run smoothly so everyone can succeed. Caroline values how the Nexben team works with agents across complex situations to ensure people have the right insurance for their needs.
Caroline has been in insurance-focused roles across Group, Medicare, Ancillary, and Individual since 2005.
616.900.9362 | csmith@nexben.com
ASHLEY MEAD
Sales Support
Ashley’s role at Nexben focuses on the Medicare, Individual Medical, and Ancillary spaces. She has been part of the Medicare Compliance Committee since 2019 and loves navigating the complexities of compliance for such an intricate area of health insurance. Ashley appreciates the wide range of backgrounds and experiences at Nexben—it means the team has the expertise and versatility to solve any challenge. Ashley finds that empathy is one of the most important things in her role—understanding how decisions and actions impact the full range of agents down to individuals.
Ashley holds Medicare and Individual Health Insurance certifications.
616.900.9372 | amead@nexben.com
KEYONIA SINGLETON
Sales Support
Keyonia’s role at Nexben supports agents with Medicare, Individual Medical, and Ancillary products. She is dedicated to ensuring the efficiency and effectiveness of agents while supporting their business needs. She takes pride in providing information, support, and assistance with patience and understanding. Keyonia enjoys being part of the team that helps agents work through challenging situations.
Keyonia holds a Medicare certification.
616.747.0841 | ksingleton@nexben.com
CHRIS HNILO
Sales Support
Chris primarily works with agents servicing Group and Ancillary customers—consulting, troubleshooting, problem solving, and navigating them through carrier tools and resources. Chris’s decades of experience mean that there’s almost no challenge or situation she hasn’t already seen—and solved. Over the years, she’s developed long-standing working relationships with carriers and an understanding of their products, systems, and day-to-day servicing. Chris sees Nexben as helping agents maneuver through the rules, regulations, and guidelines in the insurance space, so they can focus on their customers’ needs.
616.747.0754 | chnilo@nexben.com
KYLE MCCRUMB
Quality and Systems Sales Support
Kyle focuses on timely and accurate case assignments and management of data. His role at Nexben includes ensuring that agents experience simple and smooth carrier contracting. Kyle sees Nexben’s greatest asset as its team—a team whose extensive range of experience and expertise mean that agents are providing their customers the best possible health insurance solutions. One of Kyle’s key insights in his role is that when people are facing a challenge, they want to be heard as much as they want to be helped.
616.330.3253 | kmccrumb@nexben.com
Contact Nexben’s FMO
Let’s work together to get your clients what they need. Don’t want to wait? Call us directly at 1.800.748.0368