Insurance & Financial Services Mission

 Our mission is to provide Virginia residents with the best value for Insurance and Financial services with the best-in-class, extra-ordinary customer service.

Insurance & Financial Services Company Description

Our agency combines many years of experience with top-rated insurance companies and products to provide personalized service and value to each of our clients.    Allow our licensed and professional agents to save you time and money by shopping your insurance coverages with numerous insurance companies at once.

Insurance and Financial Services, Inc. is a full-service independent agency representing many top-rated companies in Virginia. We assess risks and shop companies to find the best coverage for your price range. Our clients get the best value for the insurance they need.

A few of the insurance companies we represent include: Aetna, American Modern, Anthem, Blue Cross Blue Shield, BTIS, Cigna, CNA, Dairyland, Foremost, Gainsco, Grange, Liberty Mutual, Mercury, National General, Progressive, Starr DoveTail, State Auto, Stillwater, Tapco, Travelers, and many more.

Insurance & Financial Services Agency Team


Kevin J. Sanford is an entrepreneur, innovator, and business coach.  He has ownership interests in companies that specialize in financial services, insurance, hospitality, transportation, and technology.  Prior to founding his first company in 1989, he served as a director for Blue Cross Blue Shield.

Mr. Sanford received a Bachelor’s Degree in Business from Virginia Commonwealth University and a Master’s Degree in Management from American.  Mr. Sanford holds numerous professional licenses, awards, and designations including: Million Dollar Round Table, Certified Health Consultant, Professional Academy for Healthcare Management, Property & Casualty, Life, Health and Annuities licenses, and Investment Series 6, 63, and 26 licenses.  

Mr. Sanford resides in Chesterfield, Virginia with his wife, Beverly, and daughter, Lauren.  They are active members at Clover Hill Assembly of God and serve in many charitable and civic organizations.  


Beverly Sanford is a licensed life and health insurance agent.  She has worked in the insurance industry for over 13 years and has been a member of the Insurance & Financial Services team for more than 15 years.  Beverly caters to those needing individual and/or family insurance, small employer plans, and the over 65 senior market.  She is customer service focused and enjoys helping clients find plans that best suit their needs.

Beverly has been a resident of Chesterfield County for over 30 years.  She and her family are active members of Clover Hill Assembly of God.  In her free time, she enjoys Disney vacations with her daughter, Lauren, and her husband, Kevin.



Amy Spencer started her career in the insurance industry in March 2006 as a customer service representative for Insurance & Financial Services, Inc.  She learned the business from the ground up and in September 2006 she decided to move forward with obtaining her Property & Casualty license.  Amy has 11 years of experience starting in commercial truck and freight broker insurance.  While she continues to serve her clients she also offers personal auto, home, renters, and small business insurance.  Amy prides herself with customer service and making sure her clients have the coverage they need.

Amy was born and raised in Chesterfield County.  In her free time, she enjoys spending time on the softball field watching and coaching her daughter as well as vacations at the family home at Lake Gaston, NC with her husband, Curtis, and their children Curtis Jr. (wife Breanda), Cameron, Ciara, Andrew, and Theresa.