C. Stephen Byrd, CLU, ChFC, LUTCF, RHU, REBC, Principal

Clyde Stephen Byrd is a Principal and Founder of Benefits Design. With over 38 years of experience in the insurance and financial services industry, Steve is dedicated to providing consultations and innovative solutions to his individual and business clients. He specializes in group products, executive benefits and voluntary products for non-profits organizations, associations and for-profit companies.

In 1971, Steve earned a Bachelors of Science Degree in Business Administration from West Virginia University. He began his insurance career in Beckley, West Virginia with The Equitable Life Assurance Society (now AXA) in 1979. In 1981, he transferred to Houston, Texas where he was awarded the Centurion award. He co-founded Gulf Coast Benefits Design, Inc. in 1989.

Steve remains dedicated to keeping up with the leading edge of the insurance industry. He has extended his education by earning the designations of Certified Life Underwriter (CLU), Chartered Financial Consultant (ChFC) , Life Underwriting Training Council Fellow (LUTCF), Registered Employee Benefits Consultant (REBC) and Registered Health Underwriter (RHU).

Steve has received the "Outstanding Contributions to the Community" award by the United States Congress and the Outstanding Young Men of America award. In addition, he has been awarded numerous National Quality Awards (NQA) and Million Dollar Round Table designations.

Steve has served on the Board of Directors of the Children's Development Center/United Cerebral Palsy (UCP) Houston and is past President, Vice President and Chairman of the Board of UCP of Texas.

Jose Pinon, LUTCF, Principal

Jose' Piñon is a Principal of Benefits Design and has over 34 years of experience in Group Life and Health Insurance.

In 1976, Jose' earned a Bachelor of Science-International Affairs from Florida State University. He began his career with Great Southern Life Insurance Company in 1977. He has also earned the designation of Life Underwriting Training Council Fellow (LUTCF).

Accolades received during his career include Great Southern Life Insurance Company, Leaders Legion, 1979-1982; Qualifier-Great Southern Life Insurance Company Diamond Circle, 1982; Qualifier-Texas Leaders Round Table, 1980-1986; Million Dollar Round Table Qualification, 1982-1986; National Sales Achievement Award, 1980-1986.

Group Life and Health Insurance sales have dominated his efforts since 1988. Same has been a result of his efforts geared to providing benefit consultation to small business owners. In addition, group life and health production has been most enjoyable, all the while expanding his customer base.

Jose' maintains appointments with all the major insurance companies.

William S. Browning, Jr.,
CLU, Principal

Larry Hitt,

Sandy Bakeman,
Office Manager