Our Marketing Team and Brokerage Support Staff
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Dennis Fontaine
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Brokerage Marketing Manager
Dennis Fontaine Brokerage Marketing Manager
“Hi! I am Dennis Fontaine, Brokerage Marketing Manager. As part of the Brokerage Support Team at Life & Annuity Masters, I am here to help you fit the needs of your clients. With my expertise of product knowledge and product software support, I am ready to help! You can be confident that my associates and I will give you only the finest service and support.”
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Mike McCoy
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Lead Systems Marketing Manager
Mike McCoy Lead Systems Marketing Manager
"Hi, my name is Mike McCoy, Lead Systems Marketing Manager. As a member of the dynamic marketing team at Life & Annuity Masters, it is my goal to help you attain the highest levels of success. I am confident that we can accomplish that task by recruiting quality agents who recognize the value of our National lead program. It is my responsibility to work close with you, first by providing the freshest leads on a weekly basis."
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Mark Bermudez
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Hispanic Initiative Marketing Manager
Mark Bermudez Hispanic Initiative Marketing Manager
"Hi, my name is Mark Bermudez, Hispanic Initiative Marketing Manager at Life & Annuity Masters. As part of the Brokerage Support Team, I am here to help you achieve the next level of your success. Through quality assistance with product selection, quotes, illustrations and leads, I am here to help bring value and growth to your practice. Our team is here to provide you with the tools that you need, so you can provide your clients with the tools that they need to achieve their life insurance goals."
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Maria Contreras-Ebenhoch
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Hispanic Initiative Marketing Manager
Maria Contreras-Ebenhoch Hispanic Initiative Marketing Manager
“With a background in law, marketing, and administrative management, Maria Contreras-Ebenhoch brings diverse skills and professionalism to Tu Seguro con Julie Stav by Life & Annuity Masters. She holds a law degree from the Universidad del Rosario in Bogotá, where she started her career as a legal advisor for Seguros Colmena, one of Colombia’s largest insurance companies. Maria’s communication skills and passion for improving people’s lives led her to work on two presidential campaigns before moving to the United States. Maria initially lived in Florida, where she obtained her real estate license and worked in marketing and sales for an Internet company. After moving to California in 2001, she entered the financial industry. Committed to serving the insurance needs of Hispanic consumers, Maria joined Tu Seguro con Julie Stav, the first nationwide, full-service life and annuity agency dedicated to the Hispanic community. When she is off the clock, she delights in food and wine, movies, and playing with her two young sons. ”
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Edgar Lozano
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Indexed Universal Life National Sales Trainer
Edgar Lozano Indexed Universal Life National Sales Trainer
Edgar Lozano has the skills that are essential to an insurance professional: tenacity and analysis. And how he honed those skills had nothing to do with the insurance industry. As a young man, Edgar was a three-state champion in wrestling and a junior Olympian. In college, he majored in engineering and minored in math before working in the aerospace industry troubleshooting multimillion-dollar radar and weapons systems. Tenacity on the mat. Analysis of some of the most complex machinery built in this country.
Edgar found a home for all his skills in the insurance industry. For more than 12 years, he has served clients by assessing their needs, determining areas where they need protection and planning, and designing long-term solutions. Ed specializes in Tax-Free Retirement Savings Accounts using indexed universal life insurance, a strategy used by wealthy and successful people for decades but available as well to people of conventional means.
In developing these programs for clients, Edgar follows four simple rules:
Rule 1: Never lose money
Rule 2: Minimize or eliminate taxes
Rule 3: Realize competitive interest rates
Rule 4: Pass the wealth tax-free to beneficiaries
While still active in the field, Edgar is now a national sales trainer, teaching top agents across the country his techniques for realizing clients’ goals for stability and security. Wrestler, engineer, insurance innovator: Edgar Lozano.
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Rebecca Frias
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Hispanic Initiative Marketing Assistant
Rebecca Frias Hispanic Initiative Marketing Assistant
“My name is Rebecca and I am now servicing your contracting needs as Contracting Support Specialist at Life & Annuity Masters. We know that before you can write ANY business that your contracting is top priority, and it’s my responsibility to ensure that your contracts are completed and processed in a timely manner.”
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Quinn Ellis
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Marketing Field Support
Quinn Ellis Marketing Field Support
“Hi, my name is Quinn Ellis, Marketing Field Support. I support the marketing department in making sure all agents receive the most up-to-date information for the necessary contracting to get you writing business as soon as possible with Life & Annuity Masters. I take great pride in supporting our team and working one on one with our agents and clients ensuring quality assistance, while allowing them to reach their objectives in the life insurance industry.”
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Todd Ensing
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Federal Market Support & Consumer Advisor
Todd Ensing Federal Market Support and Consumer Advisor
“Hi, my name is Todd Ensing, Federal Market Support & Consumer Advisor. I work directly with our agents and clients to put together the financial strategies and insurance plans to meet long- range goals. I’ve worked in nearly all areas of the financial services industry over the past 25 years, and my area of expertise is working in the federal employee market. I work closely with our federal human resource and financial service specialists to ensure our agents and clients are getting the utmost service in the federal employee market.”
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Bryan Simeri
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Marketing Field Support
Bryan Simeri Marketing Field Support
“Hi, my name is Bryan and it’s my pleasure to be of assistance to you as part of the Marketing Field Support Team at Life & Annuity Masters! Bringing you success and delivering unsurpassed customer support are guaranteed in our brokerage department. Working alongside my team, I am confident in my ability to assist you with everything you need to write business and ensure that Life & Annuity Masters provides you with the support that exceeds all other Marketing Organizations.”
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Jackie Pelkey
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Federal Employee Administrative Assistant
Jackie Pelkey Federal Employee Administrative Assistant
“Hi, my name is Jackie and I am the Federal Employee Administrative Assistant here at Life & Annuity Masters. I work with customers and agents to support our expanding role in helping the Federal Employee live, work and retire better. I work closely with retired federal human resource managers and financial service specialists to maximize the benefits of our clients working in the federal employee market.”
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Silvia Cesarios
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Hispanic Initiative Marketing Field Support
Silvia Cesarios Hispanic Initiative Marketing Field Support
“Hi, my name is Silvia Cesarios, and I take great pride in providing Hispanic Initiative Marketing Field Support for Life & Annuity Masters Inc. Through supporting our marketing team, I adhere to the needs of the Latino community and provide knowledgeable support in furthering the credibility and professionalism Tu Seguro con Julie Stav brings. It is my top priority to assist our clients in meeting and exceeding their goals in the life insurance industry and provide them with top quality service and support allowing them to reach only the highest levels of success. I am confident in bringing our clients excellent customer service and establishing relationships ensuring only the best support Tu Seguro con Julie Stav guarantees.”
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Maria Quezada
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Julie Stav Consumer Advisor
Maria Quezada Julie Stav Consumer Advisor
“As a Julie Stav Consumer Advisor, I make it a priority to adhere to the needs of the Hispanic community with respect and consideration. Since 2002, I have been assisting the Latino community with their life insurance needs and concerns. My extensive product knowledge has given me the tools to provide the best plans to this steadily growing market so they will be properly protected and secured for the rest of their lives. Working alongside Julie Stav, it is my priority to supply the best quality of service and provide knowledgeable support, necessary to help our clients reach only the highest levels of success. Through effective communication and building long-lasting partnerships, I take pride in being your Julie Stav Consumer Advisor. ”
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New Business Services
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Cassie Burns
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New Business and Underwriter Supervisor
Cassie Burns New Business and Underwriter Supervisor
“Hi, my name is Cassandra Burns and I am excited to work alongside you to support your pending business. With 12 years of case management experience, I understand how important it is to get your business issued and paid … for both you AND your clients. As supervisor of our New Business department, I am here to work alongside you throughout the pending process, as well as to see that your escalated issues are resolved as quickly and efficiently as possible.”
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Amy Schultz
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New Business Support Specialist
Amy Schultz New Business Support Specialist
“Hi, my name is Amy Schultz, New Business Support Specialist. It is my responsibility to work alongside our agents and assist with pending business. My goal is to provide friendly and efficient service, allowing our agents to get policies issued and clients insured. Issuing policies can sometimes be a challenging process, and I am here to offer support and obtain results in a timely manner.”
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Morgan McCoy
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Receptionist/Agent Support
Morgan McCoy Receptionist/Agent Support
“Hi. My name is Morgan McCoy and I am the Receptionist here at Life & Annuity Masters. When you call Life & Annuity Masters, it is my personal commitment to provide you with the best service. Along with answering phones, I also play a vital role working behind the scenes with the carriers in assisting our New Business team with getting policies issued quickly and efficiently. Whether you are calling for information on our programs or for any of our staff members, I will make sure your call is treated with the utmost urgency it deserves.”
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Mary Chamorro
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Julie Stav Consumer and New Business Support
Mary Chamorro Julie Stav Consumer and New Business Support
As a Julie Stav Consumer Advisor, I make it a priority to adhere to the needs of the Hispanic community with respect and consideration. Since 1999, I have been assisting the Latino community with their life insurance needs and concerns. My extensive product knowledge has given me the tools to provide the best plans to this steadily growing market so they will be properly protected and secured for the rest of their lives. Working alongside Julie Stav, it is my priority to supply the best quality of service and provide knowledgeable support, necessary to help our clients reach only the highest levels of success. Along with building long-lasting relationships, I also assist our New Business Department by providing ongoing support and expertise through comprehensive assessment, implementation and overall evaluation of individual case needs. My goal is to enhance the quality of policy management and customer satisfaction as well as promote quick and effective underwriting methods to expedite policy issue to ensure the client receives their policy in a timely manner.
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Contracting and Commissions
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Krista Lohman
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Contracting Support Specialist
Krista Lohman Contracting Support Specialist
“Hi, my name is Krista Lohman, Contracting Support Specialist. I take pride in servicing all of your contracting requests, and provide support to our contracting team. It is my top priority to guarantee that your contracts are ready to be processed in a timely manner, and be ready to fit any of your contracting needs.”
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Margo Rosquette
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Contracting Support Specialist
Margo Rosquette Contracting Support Specialist
“Hi! My name is Margo, Contracting and Commissions Supervisor for Lead Masters. I take pleasure in assisting you with all of your contracting needs, and will scrub your contracts when they are received in our office to insure they are processed ASAP. My aggressive follow-up with the insurance companies enables you to receive your agent number quickly, and also allows you to write business in no time. Feel free to contact me with any contracting questions.”
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Chris Marks
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Contracting Support
Chris Marks Contracting Support
“Hi, my name is Chris, Contracting Support. I support the contracting department in making sure all agents receive rapid, up-to-date information for the necessary contracting to get you writing business as soon as possible with Life & Annuity Masters. We know that before you can write any business, your contracting is top priority, and it’s my responsibility to ensure that your contracts are completed and processed in a timely manner. In addition, I work alongside your marketing reps to assist with any lead orders.”
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Additional Support
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Kay Lodwick
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Controller/Operations
Kay Lodwick Controller/Operations
“Hi, my name is Kay Lodwick and I have been with Life & Annuity Masters for over eight years. I am responsible for the company’s day-to-day bookkeeping operations. I also make sure our agents receive any commission checks due in a timely manner. I work closely with the owners of the company to insure we are run as a fiscally sound company.”
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Angie Hritz
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Human Resources/Office Manager
Angie Hritz Human Resources/Office Manager
“Hi, my name is Angie Hritz and I am the Human Resources/Office Manager. I am always seeking new employees that will fit into the family at Life & Annuity Masters – people like the rest of us who strive in helping our agents and their ongoing needs. I am also responsible for keeping the company running efficiently on a daily basis.”
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Jasmine Miller
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Marketing Communications Coordinator
Jasmine Miller Marketing Communications Coordinator
“Hi, my name is Jasmine Miller and I am involved with the public relations efforts here at Life and Annuity Masters. My goal is to increase overall efficiency and productivity, as well as to seek out opportunities, allowing our organization and yours to continue its growth and success. From internal relations and strategic planning, to various marketing projects and preparing written materials, I strive for effective communication in all that we do.”
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Mike Steinwender
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Senior Network Administrator
Mike Steinwender Senior Network Administrator
“Hello, my name is Mike Steinwender. As Senior Network Administrator, I oversee the day-to-day operation of our security systems and provide support while maintaining and evaluating computer networking and telecommunication systems. It is my goal to ensure the computer networks function at optimal levels on a consistent basis.”
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Gary Guttman
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Reporting Analyst
Gary Guttman Reporting Analyst
“Hi, my name is Gary Guttman, and I am the Reporting Analyst here at Life and Annuity Masters. Through examining the unique needs and concerns of our business, I develop relevant practices and procedures for preparing business reports. This includes creating and maintaining efficient and secure systems for recording data, and producing relevant documentation while improving report content and completeness of information. It is my duty to develop appropriate policies and procedures for generating reports here at Life and Annuity Masters. It is my goal to confer with persons originating, handling, processing, or receiving reports to identify problems and to gather suggestions for improvements.”
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Jason Karpf
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Communications Director
Jason Karpf Communications Director
“Jason Karpf is a public relations/marketing executive with more than 15 years experience. His agency and corporate background encompasses a broad range of industries including finance, insurance, real estate and health care. In 2004, he received an Award of Excellence from the Public Relations Society of America’s Los Angeles chapter.
Jason holds a master’s degree in Organizational and Professional Communication from the University of Denver. He is an adjunct college instructor and regularly publishes articles on PR, marketing and social media.
Jason has been interviewed and quoted by media across the country including MSNBC, E! Entertainment, Associated Press, The Dallas Morning News, and The Christian Science Monitor. A history and trivia aficionado, he was a four-time champion on the TV game show “Jeopardy!”
Jason is committed to creating instructive and impactful communications as part of Life & Annuity Master’s efforts to build the industry’s strongest network of insurance professionals serving clients nationwide.”
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