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Meet Our Brokers

Crystal L. Andrus, CLTC

Insurance Broker

Owner & founder of Sphere Coverage Solutions Inc., Crystal, is a seasoned professional with years of industry specific experience as a trusted Life, Health & Annuity insurance advisor not only to families & individuals, but to business owners, executives, and entrepreneurs as well as the self-employed. Originally from and still residing in Florida, she has one daughter currently attending college who is her pride and joy. Crystal’s commitment to providing peace of mind and building positive relationships with her clients is the cornerstone of her business; she believes that putting them first and maintaining a high level of professionalism on their behalf, is what makes her clients eager to refer her to their family and friends.

Crystal specializes in Life, Health, & Annuities and holds a CLTC Certified Specialist designation in Long-Term Care Insurance. She works closely with a team of financial experts who aid in the retirement planning process. Previously, she worked in the field of dentistry for 17 years prior to pursuing her career in the insurance industry. Crystal has an absolute passion for what she does and works diligently with her clients to find plans that meet all of their concerns – she is truly committed to ‘serving, not selling’, from educating to assessing the needs of each individual she has the opportunity of working with.


Sylvia Winslow, CLTC

Insurance Broker

Sylvia is an independent bilingual (English/ Spanish) insurance professional with 7+ years as a trusted insurance advisor to families and individuals, as well as business professionals. She is a lead professional and expert witness in the areas of health and life Insurance. Sylvia holds a Certified Specialist designation in Long-Term Care Insurance and based on her own personal family experiences, she is truly passionate when it comes to Long Term Care.

Partnering with financial advisors and private fiduciaries, Sylvia helps to design competitive and tax-efficient insurance plans. She takes pride in taking a personalized approach with every person she meets – from assessing their needs, to shopping the marketplace. Corporate officers, small business owners, and the affluent, attest to her skill set as invaluable. Sylvia has been serving the senior community for her entire career as an impassioned ally, stemming from her nursing background which began in 1991. Providing education to her clients as well as fulfilling their needs, she shares her expertise while empowering each of them. Sylvia was born in South Florida and moved to central Florida during her childhood. She has a daughter, two sons, and is also blessed with 4 beautiful grandchildren.