Professional Experience: Since 2005 have built a statewide insurance agency focusing solely unique needs of clients who have very good to excellent credit scores.. Agency provides both personal and commercial and financial protection and commercial services of low cost full service payroll and HR, and recommendations for successful business advertising. Clients get to speak directly with an Underwriting Specialist who was over 35-45 agencies in Northern Cal. My underwriting training brings a unique & thorough perspective to my clients that few agency's have & it enables me to communicate with underwriters inside their paradigm. This often results in better rates & coverage for my clients.GOALS: My goal is to find the very best insurance and financial solutions for my customers, saving them money both before & after a claim; before, with better rates now & after a claim, with better coverage. "We Simply Love to Save You Money!"Specialties: PERSONAL: Preferred and Ultra-Preferred Auto and Home Insurance, Extra Broad Umbrella policies, Vacation Rental Insurance, Earthquake, Landslide, Earth Movement, Flood, Mudslide, Tsunami, Medicare & Health Insurance,. Safe Retirement Income & Growth Annuities, Life and Disability insurance. Life Insurance Settlements (Large cash payments for unwanted life policies). COMMERCIAL: Contractors and Business Liability, Property, lower cost Payroll & HR from 2-2000 employees, Restaurants, Apartment Buildings, Condo Assoc. and many other business types.