Spencer Grey, Medicare Insurance Broker

About Me

Hi, I'm Spencer — and if you're turning 65 or helping a loved one navigate Medicare for the first time, you've come to the right place.

I've spent over 15 years in the insurance industry, including more than a decade overseeing Medicare, employee benefits, and life insurance departments at one of Colorado's top brokerages. I've helped hundreds of people cut through the confusion and find the right plan — without the pressure.

Today, I lead Grey Cardinal Insurance Group right here in the Lowcountry, proudly serving Hilton Head Island, Bluffton, Beaufort, Hardeeville, Savannah, and the surrounding communities. As a fully independent broker, I work for you — not the insurance carriers. That means I shop every major plan available in your area and give you a straight answer on what actually fits your needs and budget.

My services are completely free. Your premium is the same whether you work with me or go it alone — the difference is you get a local expert in your corner, for enrollment and every year after.

I'm a guy who values trust, simplicity, and doing things right. When I sit down with a client, I treat the conversation like I'm helping a friend — not closing a sale. When I'm not working, you'll find me on the golf course, at the beach, or chasing my son around the backyard here on Hilton Head.

Ready to make Medicare simple? Let's talk.