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Fred was born and raised in Mobile, AL and attended Auburn University where he majored in Business. Upon graduation, he entered the Insurance and Financial Services Industry in 1981 with The Equitable Society of the United States. Fred qualified for the Million Dollar Round Table the first four years of his career based on personal Life and Annuity production. He then began a 25-year career with Protective Life as a Regional Sales Director, opening new offices for Protective Life across the Southeast. While at Protective he was a member of the Protective Club 13 times and Colonels Cabinet eight. With his wife Mary Ann of 39 years they relocated to Greenville, SC to be with their daughter Brittany, son-in-law Adam, and two granddaughters, Elise and Isabelle.