Meet Our Team

Licensed Sales Representatives

bob sam brian
Bob Chirpich Sam Ndely Brian LeClair
Bob has more than forty years of experience in health and life insurance, working with families, corporations and now, over the last sixteen years cultural associations. He graduated from the University of St. Thomas in 1969 with a Bachelor of Arts in business administration. He is a co-pioneer of the cultural association group life plan and has an active role in both administration and marketing for the company. Together with Sam, he conceptualized and brought this group life plan to cultural communities throughout the United States. Bob enjoys golf, jogging and skiing; but his best workouts come from keeping pace with his seven and nine year old grandchildren. Bob can be reached at
Originally from Limbe, Cameroon, Sam migrated to the US in 1978. He attended the University of Minnesota, where he earned a BA in Economics in 1985. Sam has twenty three years of experience in the insurance industry, and is also a partner in Chirpich & Ndely Financial Services, where he serves as a life and health agent. Currently Sam is a member of MINCAM, MN and was a past President of FAKO Elements Cultural Association. He is a co-pioneer in the development of the cultural association group life insurance market, and is a primary marketing representative, often on the road sharing the value of the Cultural Group Life Insurance Plan with cultural communities. Sam is a family person who enjoys sports, especially soccer, football, tennis and basketball.Sam can be reached at LeClair Group is the administrator for Cultural Group Benefits Insurance Programs. Brian, a member of the LeClair Group team, is the licensed insurance agent in all states. Brian holds a J.D. and an M.B.A from Hofstra University.  He received his Bachelors of Science from the University of Wisconsin.Brian can be reached at


Administrative Support

margaret jones-kendra kerschner-david
Margaret Lett. Ph.D. Kendra Jones David Kerschner
Margaret is the administrator for Cultural Group  Insurance Programs. Margaret works closely with  Cultural Groups Insurance Trust. Kendra assists in a number of different areas in regards to Cultural Group Benefits, including accounting, member services and account management. David provides case management for Cultural Group Benefits Insurance Programs. He is responsible for helping enroll new groups and its members on insurance plans.


hertz-bob kispert-smith_amber lor_yeng3
Bob Hertz Amber Kispert-Smith Yeng Lor
Bob is a Life Insurance expert who is
available to assist the sales representatives
for Cultural Group Insurance Programs.
Amber is responsible for all communication
that comes out of Cultural Group Benefits
Insurance Programs.
Yeng oversees all marketing activities for
Cultural Group
Benefits Insurance Programs.

You can reach a member of the Administrative Support team by emailing