About Effortless Life Insurance

Jeff Root, Licensed Life Insurance Agent

Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading finance websites.

Licensed in all 50 states and D.C., Jeff is a life insurance agent who has helped over 3,000 people secure life insurance policies to protect their legacy. Jeff is the author of The Digital Life Insurance Agent and a host of the podcast Modern Life Insurance Selling Podcast, where he trains other life insurance agents. Jeff has qualified for MDRT (Million Dollar Round Table) every year since 2009, putting him in the top 1% of financial professionals in the nation.

Chris Abrams, Licensed Life Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies.

Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tirelessly with clients nationwide to help them navigate the insurance and financial world. His mission is to help people and businesses have the protection they need at the lowest possible price.

Aaron Englard, Insurance Premium Auditor

With over a decade of experience in insurance premium auditing, audit department management, and business audit representation, Aaron has developed a deep understanding of audit regulations, compliance requirements, and industry best practices. As the Founder & CEO of AdvoQates, he specializes in representing businesses during their audits to ensure accurate, transparent, and fair assessments from insurance companies.

Aaron is also the Founder & Managing Partner of STAY E LLC, an industry-leading firm providing premium audit educational services to auditors, vendors, and insurance companies. He brings expertise in audit training, field auditing, compliance oversight, and audit operations, having successfully led teams and developed programs that improve accuracy and compliance across the industry.

Jimmy McMillan, Licensed Life Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack.

Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Life Insurance Selling Podcast. He has successfully approved cases with difficult heart issues and has been a life insurance advocate for many years.

Heidi Mertlich, Licensed Life Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes.

As a parent herself, she understands the need families have to keep their families financially safe, regardless of what life brings. Her goal is to make the process of obtaining life insurance as simple as possible and provide insurance consumers the peace of mind they deserve.

Schimri Yoyo, Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. 

Schimri is an educator eager to assist individuals and families in achieving their own financial success stories. He has been featured in several publications, including Sophisticated Investor, RocketHQ, DivorceMag, Exercise.com, and Insurance.com.

Ty Stewart, Licensed Life Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. 

As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simple. When he bought his first insurance policy, he saw the need to bring more information about the process to others. His mission is to get his clients the lowest rates on insurance to protect their families.

Brad Larson, Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casualty license.

Brad started out as a claims adjuster for a national carrier and has since switched to the agency side of the insurance business. He is an experienced Director of Operations skilled in negotiation, employment practices, liability, and fraud detection. Brad is licensed in all P&C lines.

Jeffrey Manola, Licensed Life Insurance Agent

Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance.

Not only does he strive to provide consumers with the best prices for life insurance coverage, but he also wants those on the market for insurance to be well-informed about the different types of life insurance options that are available. His goal is to provide readers with all the information necessary to make a confident insurance investment.

Scott W. Johnson, Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients.

Scott quickly grasped the unique insurance requirements of his clients along the mountains, coast, and flood plains of California. He enjoys working with start-ups and conducting small business risk analysis. He sells all lines of coverage including property, life, health, casualty, earthquake, and flood insurance.

Michelle Robbins, Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families and individuals to secure their investments and families with life insurance protection.  

Most notably, throughout her career, she has assisted many individuals in difficult times of need as a family service counselor with several funeral homes, mortuaries, and memorial parks in California. This experience resulted in a natural progression into health and disability insurance. Today, Agent Robbins’ licensing extends across many states from the west coast to the east coast. She is licensed in life, health, Medicare, disability, and property & casualty insurance.

Brett Surbey, Corporate Paralegal

Brett Surbey is a corporate paralegal specializing in tax reorganizations and the creation of corporations so they can successfully navigate all aspects of their business and mitigate risks where necessary. He has assisted lawyers on a number of enigmatic transactions, including M&As, complex corporate succession plans, and amalgamations.  

In addition to his legal career, he is a known expert published for his work on topics surrounding insurance, mortgages, and business. His professional writing has appeared in publications such as Forbes Advisor, U.S. News & World Report, Industry West Magazine, Publishers Weekly, and various academic journals.

Daniel Walker, Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco.

To ensure our content is accurate and up-to-date, Daniel reviews and fact-checks hundreds of insurance articles each month. He is passionate about helping consumers make the best decisions when choosing their insurance coverage. His mission is to guarantee the information you receive on our site regarding insurance rates and policy advice is accurate, evidence-based, current, and trustworthy.

 

Tracey L. Wells, Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have.

His agency offers all lines of insurance including home, life, auto, RV, business, and pet insurance. Tracey specializes in commercial, rideshare, worker’s compensation, and liability insurance. A proud United States Navy veteran, Tracey had the opportunity to protect our Nation’s freedoms while traveling to over 25 countries.

Dani Best, Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualty.

Dani has worked for two State Farm agencies and was the top life insurance producer in both offices. Dani has extensive experience with life, home and auto insurance, disability policies, and how individual insurance coverages work. She is also trained in financial services provided by State Farm, such as cash back rewards and credit cards, checking and savings accounts, and home and auto loans. She applies her drive to help others to her approach with insurance, using her expertise to make difficult topics and situations less complex and stressful.

Brandon Frady, Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats his customers.

Auto and property insurance are often legally required products, so no one is excited to purchase them. This is why Brandon’s approach to selling insurance is fully customer-centric. His goal is to provide the highest quality insurance customers can confidently purchase and then leave to work its magic protecting their investments. Brandon avoids cold calling and pressuring customers to purchase. Instead, he relies on referrals, insurance education, and exceptional customer service.

Justin Wright, Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate.

In 2020, Justin began working as an independent broker. Since going independent, Justin has extended his licensing across several states along the East Coast to Midwest. He currently specializes in life insurance, annuities, and health insurance, including Long Term Care insurance. He still maintains his Property & Casualty license as well.

Zach Fagiano, Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing global risk management consulting.

Zach is a subject matter expert and has spent much of his career focused on catastrophic modeling, captive management, and strategic risk management for large public and private investment companies, hedge funds, and risk management for a publicly traded large retailer. When not working in risk and insurance, Zach can be found restoring classic cars and running in endurance races.

Kristen Gryglik, Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them.

Licensed in Massachusetts, New Hampshire, Maine, and Florida, Kristen has over 15 years of experience working in the insurance industry. She currently works for Liberty Mutual as a Resident Sales Representative providing auto, home, and life insurance policies and counseling in personal finance and retirement planning.

Travis Thompson, Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critical illness, or disability.

In 2021, Travis began working as an independent broker. Since going independent, Travis has extended his licensing across several states along the East Coast to the Midwest. Travis also has access to over 10 top-rated life insurance carriers in the U.S. that can offer clients the best coverage possible. He currently specializes in mortgage protection, life insurance, critical illness, and disability coverage.

Tim Bain, Life Insurance Agent

Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. 

His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada. 

Eric Stauffer, Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs.

Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial education platform focused on helping individuals and families learn proper money management. Eric holds accidental, health, life, casualty, and property insurance licenses in the state of California.

Michael Leotta, Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automation & Procedures Specialist, and Process Analyst.

His primary areas of expertise are in complex insurance claim handling with a litigation focus, claims training, jurisdictional guidelines, process improvement, and data analytics. Michael has developed a keen understanding of the insurance industry, and well-rounded general business proficiency.

Kalyn Johnson, Insurance Claims Support & Sr. Adjuster

Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another passion, writing.

As an insurance writer and researcher, she specializes in real estate, healthcare, finance, and all lines of insurance. When Kalyn isn’t writing, she enjoys spending time with her husband and their four children.

Jeffrey Johnson, Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina.

He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites such as Legal Advice, The Manifest, and Vice. He is the author of a novel and several scripts that were adapted into short films.

D. Gilson, PhD, Professor & Published Author

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush.

His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seven Kitchens. His second chapbook, Brit Lit, a series of poems on Saint Britney Spears, is available from Sibling Rivalry Press. D. is the editor of Lunch and lives in the Missouri Ozarks.

Melissa Morris, Professor of Nutrition & Kinesiology

Melissa Morris has a BS and MS in exercise science and a doctorate in educational leadership. She is an ACSM certified exercise physiologist and an ISSN certified sports nutritionist. She teaches nutrition and applied kinesiology at the University of Tampa.

She has been featured on Yahoo, HuffPost, Eat This, Bulletproof, LIVESTRONG, Toast Fried, The Trusty Spotter, Best Company, Healthline, Popsugar, She Knows, and Badass Body Project.

Ashley Dannelly, University Professor and Personal Trainer

Ashley Dannelly has a Master of Arts in English and teaches English at Columbia International University and other higher education institutions. She is also a certified personal trainer with the American Council on Exercise and trains clients in both individual and group settings.

Ashley’s background in English and fitness has allowed her the opportunity to write and create content for many different publications, such as Shout! Outdoor Lifestyle Magazine, The Greenville News, NewSpring Church Media, and more.

If she isn’t teaching English or training clients, you can find Ashley writing, lifting weights, or playing with her kids.

Laura D. Adams, Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She received an MBA from the University of Florida and lives in Vero Beach, Florida.

As a professional accountant and financial analyst for several companies, Laura is a trusted source on various finance topics for TV, radio, online articles, and print publications. She’s been featured on major news outlets, including FOX Business, AP News, Apartment Therapy, Go Banking Rates.

Sara Routhier, Sr. Director of Content

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance.

Her work has been featured on: CBS, Denver Post, DriversEd, ESPN, Finance101, Finder, FOX5, Legal Advice, MSN, PrettyMotors, SeattleTimes, StarTribune, USA Today, WalletHub, Yahoo Finance, and the Zebra.

Leslie Kasperowicz, Farmers CSR for 4 Years

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs.

She has since used that knowledge in her more than ten years as a writer, largely in the insurance niche. Leslie has been quoted in publications that include Reader’s Digest, Fox Business, and the Washington Post.

Melanie Musson, Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustainability, automation technology, and vehicle safety.

Her industry expertise has been featured by The Penny Hoarder, in an e-book by Best Companies, by Forbes, Yahoo!, The New Yorker, Oprah, Fox Business, U.S. News, and Dollarsprout.

Maria Hanson, Insurance and Finance Expert

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability.

Maria has expanded her scope of expertise to home, health, and life insurance. She consults on home maintenance, property improvement, and health care. In her spare time, she travels, camps, gardens, and volunteers in her community.

Laura Gunn, Insurance and Finance Expert

Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare.

Her experience in various industries has helped develop both her writing skills and scope of knowledge. She is able to tackle some of these intricacies and relay important information to others who need to make real-life everyday decisions. Her expertise has been featured in many publications including News Hunt 360, HOLR Magazine, and IH Services Inc.

Laura Kuhl, Managing Content Editor

Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals.

In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the legal and insurance industries.

For the past five years, Laura has worked with insurance industry professionals across multiple markets, including business, auto, and life insurance, to create content that is accessible to everyone. She believes insurance does not need to be complicated and continues to create content that is straightforward, unpretentious, and jargon-free.

Dorothea Hudson, Insurance and Finance Writer

Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more.

Her passions include writing, music, running, travel, technology, coding, and crypto. She enjoys educating her readers on insurance and providing practical financial advice. Dorothea graduated magna cum laude from the College of Charleston with a B.A. in English. She also was a student abroad at Cambridge University, studying English and creative writing.

Her expertise has been quoted in many award-winning publications including Forbes, GoBankingRates, Real Homes and Yahoo News.

Tonya Sisler, Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers’ top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. 

Tonya currently leads a team of 10 insurance copywriters and works closely with them on industry research and content creation. Tonya has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for over 15 years in management roles.

Luke Fitzpatrick, Insurance Writer

Luke Fitzpatrick covers blockchain trends on Forbes. He has been published in Yahoo! News, Influencive, and Tech In Asia. He is a guest lecturer at the University of Sydney, lecturing in Cross-Cultural Management and the Pre-MBA Program.

Merriya Valleri, Expert Insurance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance.

She enjoys working in the insurance field, and is constantly learning in order to keep up with the current, ever-chaning market. Merriya has a Bachelor’s Degree in Writing, using her skills to promote educational experiences for her readers.