Fred was born and raised In Mobile, Al and attended Auburn University where he majored in Business. 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. Then he 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 was Protective Club Thirteen times and Colonels Cabinet eight.