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Meet Our Team

Michael Higdon


I have been an insurance agent for 11 years in April. My father was an agent for 33 years so I’ve been around insurance all my life.

I grew up in Albertville, AL and graduated from Albertville High in 2001. I went to Auburn University and graduated from there in 2005.

The thing I enjoy the most about what I do is the protection we provide. We protect people’s most valuable assets and their lives. We are there when the worst happens and we help restore their life.

Outside of work, I spend all my free time with my wife and kids. I love spending time on the lake, playing sports, or simply vacating.

We work with many non-profits in various areas, but I really want to spend more time working with youth.

Sharon Nugent

Office Manager

I have been in the insurance industry for 10 years. I strive to offer our clients peace of mind while protecting every aspect of their lives.

I grew up in Altoona and that is where I raised my children as well.

I think it’s great when I am explaining coverages to a client and they “get it”.

I enjoy spending time with my family. My favorite way to spend my down time would be with my children. Maybe at the house having a cookout, or being on the lake or at the beach.

I enjoy reading and giving back to the community is really important to me.

Elise Stokes

Licensed CSR

I am fairly new to the insurance industry, but am excited about all I’ve learned so far.  I obtained my P&C and life/health license within 6 months and am fully able to help with any questions or concerns regarding your insurance!

I grew up in a small rural town in central Alabama, but moved to the coast when I was 15.  I attended the University of Alabama (roll tide!) where I graduated with a B.A. in Communications.

I love meeting new people and helping find solutions to everyday problems that arise. I love all music in any shape or form. I am playing with my dog, Gus, and am probably out on the boat if the weather’s warm.


Melissa Reifer

It’s been 18 years since I first started working in the insurance industry. It’s a great feeling when you can help protect people’s assets, family, and be their trusted advisor.

I am originally from Brooklyn, NY and have been living in North Alabama for 4 years, I love the people and the environment here.

I must admit I love my job and what I do everyday. It makes me feel good knowing that I helped someone protect his or her home, auto or even their family with life insurance. I also really enjoy the team of people I work with. They are like family to me and we always help one another.

On the weekends, I love spending time and relaxing with family and friends.

Susie Gutierrez

Customer Service Representative

The insurance industry is very interesting, and it has its difficult times as well as rewarding times, dealing with a diverse group of people, who we are able to build lasting relationships with.

I grew up in New Hampshire and also In Guayaquil, Ecuador (during my last 3 years of high school). I am bilingual.

I love coming to work, everyday, because I get to see my customers whom I have a great affection for. I love to make them smile and help them, I like to know that they feel like they are important to me and that I really care.

I really love being involved with my church and community, going on mission trips. I also am very passionate about sharing God’s word with others, and praying with them if they need it no matter where I am.

I love spending time with my children and talking about their accomplishments, and how proud I am of them. When I am not working, you can either find me at home, at church or on the soccer field watching my oldest do what he loves.

I love to cook and write poetry. I volunteering at my church with our kids ministry. I love volunteering my time to go on mission trips and I am currently teaching a Spanish class at my church

Natasha Wright

Licensed Service Agent

I have worked in the insurance industry for about a year and a half now. My first 6 months of experience was in life insurance sales, while the last year has been in property insurance.

I am a military brat, and also a military service member in the U.S. Army Reserves. I was born in Hopewell, VA, however I’ve been a native of Huntsville, AL for 17 years, which I consider home now. I have a Bachelor’s in Finance from the University of Montevallo and a MBA from Ashford University.

I love serving people, and it brings me great pleasure knowing that they are happy with the service I’ve provided them.

I enjoy music, traveling, art, hiking, spending time with family, and anything humorous.

When I’m not traveling, my favorite thing to do is relax at home and watch the show Fixer Upper.

Although we are not currently active in the community, in 2013 I founded a 501 c3 nonprofit organization called House of Stephanas, Inc that is still a passion of mine; we were a community outreach organization for girls in which we helped developed their skills through godly teaching and self-confidence classes, while also serving the community.

Siera Stegeman

I have worked for the Higdon Insurance Group for almost 3 years now. I am passionate about insurance and fully protecting my customers!

I was born in Hammond, Louisiana but lived most of my life in Marshall County. I graduated from Arab High School in 2009.I love being the person that my customer can count on to protect them from all of life’s “what if’s”.

I am a mother of 3 beautiful children that my world completely revolves around. When I am not working, I love doing crafts with my children and going to their sporting events.

I was in school for Psychiatric nursing before I found my calling in Insurance. As a mother, I am passionate about protecting our youth and giving them the best possible start in life. For this reason, my family and I are huge supporters of St. Jude.

Brad Davis

I grew up in Hamilton, AL and I am a 2005 graduate of the University of North Alabama in Florence.

I have worked in the insurance industry for 12 years, eight years in claims before transitioning into an agency role.

I really enjoy when I am able to use my claims experience to assist a customer through a loss or help a new client develop a plan to protect the things that matter most to them.

When not at the office, I enjoy riding horses as much as possible. In the summer, you can always find me on the lake with my family; in the spring and fall, I am either spending time in the woods or riding horses. Most people don’t know this about me, but I am an avid reader, and I love to write too!

Heath Lokey

Exclusive Financial Specialist

Having worked in the insurance industry for 6 years, these past 2 I’ve been specializing and focusing on working with individuals and businesses on their life insurance, retirement planning, and benefits offerings. At the job, I love educating individuals on how all types of insurance work together to protect their world.

I grew up in Albertville, AL, graduated from Albertville High School, and attended Snead St. Auburn University, and Athens State.

I have been married for 9 years and have 3 children: a 5 year old boy, an 18 month old daughter, and a new baby girl on the way! I just love spending time with my family, hunting, fishing, and we love Auburn football.

In my spare time, I really enjoy bird hunting. I also enjoy speaking to crowds on topics I am passionate about.

I spend a lot of time volunteering in our community. I am on the Shepard’s Cove Hospice Race to Remember Committee as well as their Foundation Board. I work closely with Albertville US that helps put on free events like the ice skating rink in Albertville. I also enjoy working at my church, especially AWANA’s.

Kaye Ledrew

Sales Agent

I was born in Oregon and raised in Idaho and have been working for the agency going on 25 years!

Wendy Jenkins

I grew up in and around Memphis, TN and moved to the Albertville area in 2008. I have worked in the insurance industry for 17 years.

Cherri Dickinson

Customer Service Representative

I started working in the insurance industry with the Higdon Agency in 2010 and have worked as a Customer Service Representative since.I lived in GA until I was in Kindergarten, then moved to Alabama and have made it my home. Knowing that I help people is very rewarding to me.

I love spending time with my family and being “NiNi” to all my grandbabies.

When I am not working, you will either find me at MidSouth Aviation working with my husband or spending time with friends and family or attending church with my church family at Adamsville Church of Christ.

Carol Allred

I am licensed in life and health, and property and casualty.

I grew up in Columbus, MS, and went to school for nursing. I almost finished until I realized I couldn’t handle the sight of blood so much.

I’ve really found myself in insurance because it gives me joy being able to help people feel at ease about protecting the things that matter most to them. Not only do people need someone who is efficient and knowledgeable about their insurance needs, they also just need someone who understands and can express compassion during some of life’s toughest of times.

Personally, I love spending time with my kids, they are awesome! I probably talk way too much about my two little girls, but they are my life! I am what you might call a “homebody”. I love cuddling up with my girls, and my Yorkie watching movies and reading books.

I love gossip magazines and I also love to write.

I volunteer with my church’s homeless mission. St. Jude’s also touches a soft spot in my heart.

Marisol Benitez

Licensed Agent

I am originally from Mexico and I was a correctional officer for DeKalb Co, AL. I love being able to help people, knowing that I can help someone be protected in case of an accident reassuring them that they are in good hands gives me great joy.

I love to spend time outdoors,  camping  and working out. In the weekends, I enjoy spending time with my family and love to do activities with my kids like going to the movies or go camping.

Rhonda Dixon

Licensed Sales Producer

I started with the carrier in 2008 in Carrollton, Georgia.  I transferred to Anniston, Alabama in 2015 and  began my career at Higdon Insurance Group in 2017. I grew up in Ranburne, Alabama and graduated from Jacksonville State University with a BS in Marketing and a minor in Management. I help people prepare for life’s unexpected tragedies and sell products I hope people never have to use, but if they do, they are prepared financially.

When I am not working, my family and I enjoy all outdoor sports year around. Some things people don’t know about me is that I was awarded a scholarship in performing arts and that I love to sing and entertain.

I enjoy helping the community, especially home-bound individuals by bringing them food and helping with daily chores, it makes me feel gratified.