John Croes, LUTCF, is the owner and operator of Sandpiper Insurance Company. A native New Yorker, after graduation from prestigious Brooklyn Technical High School he enrolled in and received his BA in Economics from the University of Miami in Coral Gables, Florida. He worked on the business side at Miami Herald for 20 years before making a career change to the insurance industry. He began that career with a 13 year stint at MetLife before moving to the independent channel. His time at MetLife gave him a solid foundation in life and disability insurance. Because many clients had a definite need for health insurance, out of necessity, he had to become expert in the various types of plans and options in both the group and individual markets.