About Us

Above & Beyond Insurance Mission

 Our mission is to provide Virginia residents with the best value for Insurance and Financial services with the best-in-class, extra-ordinary customer service.

Above and Beyond Insurance and Financial Services is part fo the American Family Financial Services Family. American Family Financial Services represents over 100 insurance carriers and operates in the states of VA, NC, SC, GA, and TN for home, auto, and life insurance. This allows us to customize coverage for our clients where we find the best policy for the right value. Our team of experts at AFFS are doing right by our clients 100% of the time and go the extra mile for you. We analyze all of your insurance and financial needs, and then give you the complete coverage at the right price. Let us do the work for you. We shop and you save!!

At Above & Beyond Insurance and Financial Services to “go the extra mile for you” means:

  • FREE NEEDS ANALYSIS. We take the time to understand every client’s needs and work hard to provide the best possible insurance solution for the best value.
  • EXTRA-ORDINARY SERVICE.   We take pride in exceeding the expectations of our clients by providing superior communication, quality service, and delivering the ultimate, exceptional experience.
  • EXCEPTIONAL RESPONSIVENESS.   We respond as soon as possible to client inquiries–most of the time within minutes.
  • TECHNOLOGY. We partner with companies that are innovative and remain on the cutting-edge of technology, so our clients may have the convenience of accessing their policy information at anytime, anywhere, any place.
  • FINANCIAL WELLNESS. We educate and work collaboratively with clients to bring order to their financial life and to achieve their dreams and goals, as they navigate through the different fiscal stages, such as eliminating debt, asset protection, and retirement planning.


Above & Beyond Insurance Agency Team


Wanda B. LeBray – Agency Owner

Wanda LeBray is a native of Norfolk, Virginia with strong ties to the Tidewater Area. She graduated from Lake Taylor High School and earned her Bachelor’s and Master’s Degrees from Norfolk State University. Her passions are helping and educating others through Insurance and Financial Services, as well as spending time with her family.





LaToya B. Ricks – Producer

LaToya was born in Norfolk, VA. She over 20 years experience in the insurance industry having worked in claims, as a producer, and having owned an independent Agency. She takes pride in her success, surrounding herself with others who are also focused on becoming better and helping others become better, and her family.


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