If you are looking for some financial help in retirement, let me introduce you to a company I trust: AMERICAN SENIOR BENEFITS.

I trust AMERICAN SENIOR BENEFITS, because we investigated the company background, their people and history, licensing, and the way they treat their clients. We also investigated the background of the owners, Wayne Gray and Larry Gray.

As a result, I stand by, trust and endorse AMERICAN SENIOR BENEFITS, and I’m proud to declare the company GEPHARDT APPROVED.

“We do the right thing, every time.”

-Wayne Gray, Co-Owner

“Our team of professionals is highly trained and supported so they can assist our clients with all of their retirement planning needs,” says Wayne Gray, co-owner of American Senior Benefits. “When it comes to personal finances, we know it can be extremely complex. Our goal is to take the complex and make it simple. The bottom line: We do the right thing, every time.”

Wayne says the professionals at AMERICAN SENIOR BENEFITS have been helping people with retirement questions since 2005. Having worked in the financial services industry for several years, Wayne tells me he wanted to create a business model that was better suited than other companies to handle today’s changing needs.

Wayne says one of the biggest differences between ASB and many large, well-known brokerages is that AMERICAN SENIOR BENEFITS Advisors and Insurance Agents take to heart the idea of what they call Servant Professionalism. “When a client meets with one of our agents, we do a lot of listening and get to know them very well,” says Wayne. “Before we get started, we educate our clients and answer questions they may not have thought to ask. It’s like a counseling experience.

“We know a common concern among consumers is that if they meet with an agent or advisor, that they will be told they should change whatever they have for insurance or investments. We only make a recommendation if and only if it’s in their best interest.”

“We’re here to help people for the long haul.”

-James Case, Senior Manager, ASB

James Case, a Senior Manager at AMERICAN SENIOR BENEFITS, summed up the company’s approach this way: “We only make a change to anything if there is significant improvement to be had. We would rather not have the business if we can’t do it the right way. We’re here to help people for the long haul.”

Wayne also tells me that consumers looking for Medicare Supplement Plans, life insurance, or disability planning can take advantage of his company’s status as a master brokerage. “We work with hundreds of “A” rated financial and insurance carriers,” says Wayne. “Our clients know they are our priority, not the insurance companies. Each of our clients is treated as an individual, and gets the advantage of real competition for their business.”

“We have a bias…We have a bias toward safety and reliability.”

-Larry Gray, Co-Owner

Co-owner and Senior Advisor, Larry Gray, says the team at AMERICAN SENIOR BENEFITS is passionate about protecting people’s quality of life, and that includes providing access to the world of financial strategies through their Investment Advisor Representatives. “Protecting people’s quality of life – protecting their assets from loss and ensuring a reliable, even growing, income – is something my Advisors and I are passionate about,” says Larry. “It may be ‘wonky’, but we have had the privilege of seeing, first hand, the impact good, sober planning makes as our clients – our friends – make their way through retirement.”

“We have a bias. We Protect,” says Larry. “We have a bias toward safety and reliability. We have another bias for the financial services industry: Each Financial Advisor at American Senior Benefits is required to have a full Fiduciary Authority license, meaning our Advisors must adhere to the top industry standard of care, known as the Best Interest Standard. So, we only do well if our client does well.

“We believe that providing the Best Interest Standard of care matches our mission and values better. We want to serve real friends who will continue to tell us how much our relationship means to them for years to come.”

So there you go: AMERICAN SENIOR BENEFITS: Now you know what our investigation revealed about this company’s history and their commitment to providing the financial industry’s highest standard of care.

And now you know why I trust AMERICAN SENIOR BENEFITS, and why I am proud to declare them GEPHARDT APPROVED.

-Bill Gephardt




Social Security Planning, Life Insurance, Retirement Planning, Advanced Long-term Care Planning, Medical Health Insurance


Our Address:

1664 S Dixie Dr, Suite H105 St. George, UT 84770


37.080818438831, -113.60583249741



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