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Our Firm

About Us

The Chattanooga-based professionals of Spencer Benefits specialize in employee and executive benefits, large-scale life insurance policies, succession planning advisory and individual insurance solutions that preserve and protect wealth.

With over 30 years of experience, we have the knowledge, tools, and resources to create customized insurance solutions that provide a strong return-on-investment while protecting those covered.

As independent advisors, we have the flexibility to partner with providers and consultants to offer the most competitive benefits packages and insurance solutions for customers. Our affiliation NFP and Partners Financial gives our customers access to national resources through a local, consultative team.

Our Team

DeForest (DeFo) Spencer, CLU, LUTCF

Founder & President

(423) 498-3042

(423) 498-3228

Founder and president of Spencer Benefits, DeFo is a third-generation insurance advisor with over 30 years of experience. He began his career with Provident Life and Accident Insurance Company as an advanced underwriter and marketing representative.

DeFo is past president and board member of the Society of Financial Services Professionals and Chattanooga Association of Life Underwriters, the predecessor to NAIFA (National Association of Insurance and Financial Advisors). He has served on the boards of the Georgia Association of Health Underwriters, North West Georgia Chapter, and the Lookout Mountain Club. Additionally, DeFo is an active member of a National Study Group through NFP Benefits Partners.

He is a graduate of Furman University and holds the CLU and LUTCF certifications. Outside of the office, DeFo enjoys hunting, fishing, and playing tennis.

Julie Higgins

Executive Account Manager

(423) 498-3041

(423) 498-3228

Julie serves as the executive account manager for Spencer Benefits. She has over 20 years of experience in sales, enrollment, and account management with various insurance companies, including New England Financial and Unum. With expertise in the employee benefits industry, Julie has in-depth knowledge about various products and insurance solutions that will best meet her clients' needs. She enjoys helping clients understand their offerings, servicing accounts, and building relationships with customers to better anticipate their needs.

She graduated from Carson-Newman University and enjoys spending time with family and going to the beach in her free time.

Customized Solutions

Customized Solutions

Whether you’re starting, growing, or selling a business, we can build benefits plans that work for your unique situation. We provide year-round personalized service to administer, answer questions, and plan for your future.