Local makes a difference.

Nathan R Toal is the founder of Allraya LLC, a successful health insurance brokerage that helps over 2000 clients in the Greater St. Louis area where he shows the ‘everyday’ individual that health insurance does not have to be complicated and that a helping hand is always near. ‘I’ve had a lot of heath related ups and downs. The downs are what drove me into this profession. I was diagnosed with cancer at the ripe age of 22 and had a long treatment period. Because of medical bills I lost everything and had to start from scratch. While still healing, the collections calls started in and I was forced to sell my car when I wasn’t even able to walk. I tried to find help but there was no one. Years later I am that someone.’ —Nathan Toal. Nathan has been helping people avoid these situations to maintain there financial and physical strength so they do not have to experience what he did. Using clarity, compassion, and a little humor Nathan helps to demystify the health insurance issues. ‘My number one goal is to get you peace-of-mind, not health insurance.’ Outside of the office, Nathan has a wife, Maia; and two children, Stella and Allraya. His wife says she has 3 children… Nathan is a self-proclaimed wine expert and a diehard Star Wars fan. ‘If you challenge me to Star Wars trivia I will win’. When you meet, he will probably show you picture of his family in Star Wars garb. Halloween is no joke in that house.

Todd Abrams is an insightful communicator with several decades experience in consumer marketing and communications. He has a 20-year career in publishing, most recently founder and publisher of HEALTH&CARE® Journal, the only local publication in the St. Louis area that is completely focused on health care. Todd brings a consultative approach and a passion for health information to his clients, addressing a broad range of their needs with ongoing communication. From 2004-2006 Todd served as Adjunct Professor of Marketing at the Olin School of Business at Washington University in St. Louis, where he taught Integrated Marketing Communications in both undergraduate and Professional MBA curricula. Todd brings to Allraya this passion as well as his personal experience with health insurance. ‘I have been through the obstacle course over many years of selecting health insurance coverage, participating in group programs, individual and family policies and now the various aspects of Medicare coverage. My clients benefit from this experience and the learning I’ve gained, through some correct and some not so correct choices along the way.’ Abrams, a St. Louis native, is a graduate of Boston University and holds a master’s degree in journalism from Northwestern University. Todd and his wife Rena, have two grown daughters and two granddaughters. He enjoys tennis, participates in strength training, yoga and long walks.

Hi my name is Scott Crosier and I grew up in a small town in Kansas. I graduated from Kansas State University with a BS in Accounting. I have called St. Louis home the last 23 years after meeting my wife, Sheryl 25 years ago while working in Kansas City. Having children, that are growing up way too quickly and our little 11 pound dog, who my wife still calls our baby, St Louis is still home. Being behind a desk for many years in corporate tax/accounting, I excelled at putting numbers in boxes. I’m good at it, but knew I had other skills that I could utilize. After securing my license in health and life insurance it was time I joined my wife in this industry. I’m so glad I did! I have strong analytical and number skills that I utilize to help clients determine health plans that best fit their needs and resources. Our goal at Allraya is to be relational with our clients, not transactional in nature. We plan to be with our clients for the long haul helping them with all their health insurance needs as they arise. So whether you need assistance with health insurance, life insurance or annuities, I am here to help. As your broker with a keen analytical mindset and many years of corporate tax experience, I am able to understand my clients so well that I can pin down a plan that will fit their specific needs for a long time.

Hello! My name is Sheryl Crosier. I am an ACA health insurance and life insurance broker/Medicare and Medicaid advocate with Allraya, LLC. I have extensive experience in client relations, public speaking, advocacy and state and federal legislation. Even though my education and professional experience guided me to where I am today, it was Nathan Toal who went above and beyond helping my family find suitable ACA insurance when we needed it most. Nathan is the person who found the right surgeon to remove our daughter Sabella’s cysts when we were scared and could not find a surgeon in the state of Missouri. He truly is part of our personal journey. Little did I know our journey would be filled with heartbreak and health obstacles but also joy. When my brother David became a quadriplegic as the result of a tragic accident I witnessed the struggles and hardships he endured including extensive medical bills and insurance denials. Shortly after my brothers accident, my father, a Marine veteran and successful engineer lost his battle to cancer at the age of 57. I still remember him saying ‘all I am is a statistic’ after his oncologist gave him no more treatment hope. Even though my father passed, medical bills continued to pile up in the mailbox. When our third child was born, we experienced medical discrimination and denial of care. On Simon’s 3rd day of life, the doctor walked in and said, ‘Simon’s blood results came back, he has Trisomy 18, I’m sorry.’ She then immediately walked out of the room without providing any comfort or compassion. Simon lived for 3 months in the NICU, where he died. Since Simon’s passing, I have authored two books, ‘I am not a Syndrome, my name is Simon’ and ‘Hello my name is Simon.’ Soon I was telling Simon’s story across the country and was also featured in the 2014 award winning documentary ‘Labeled.’ Simon’s Law has currently passed in 9 states and is being considered in other states presently. I can’t bring my son back but want to make sure no one is denied life sustaining treatment. My goal at Allraya is to assist and help others navigate through the hurdles of healthcare complexities and provide peace of mind. I advocate for life and want to ensure all have adequate resources to meet their health needs. Sheryl is married to her husband Scott for 21 years and has three children, Samuel, Sean and Sabella as well as a Morkie named Skipper.