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Gary Hudgins has a solid background in underwriting, with experience at various insurance companies such as Crum & Forster, Partners Managing General Underwriters, and Prodigy Health Insurance Services, where they held the position of Vice President Underwriting. Prior to that, they worked as a Regional Underwriting Manager at HCC Life Insurance Company and gained experience as an Underwriting Senior Specialist at CIGNA Healthcare. Gary also honed their skills as a Senior Underwriting Analyst at BenefitMall and worked in underwriting roles at First Health and New York Underwriters. Their career began in the US Army, serving as a Veteran.

From 1990 to 1994, Gary Hudgins attended UNM Anderson School of Management, where they earned a BBA in Financial Management.