People

FOUNDERS

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DAVID ELLIS

PRESIDENT | CEO
CO-FOUNDER

David is President & CEO of Life and Annuity Masters, a leading nationwide IMO, servicing advisors across the country. David and his wife Nancy, started the company back in 1989. After perfecting his consumer lead and sales system, they began to recruit agents and built a nationwide sales force selling hundreds of millions of dollars in life insurance and annuities and founded The Lead Masters Insurance Agency. He and Nancy later rebranded the agency as Life & Annuity Masters. Life & Annuity Masters has become a full-service life insurance brokerage agency to service the thousands of life insurance agents that do business with them. More recently, David has expanded his business model to include estate and tax planning for high net worth clients, including providing products and services to Registered Investment Advisors through a partnership with a leading Estate Planning Team, and the agencies Engineered Capital Gains Solutions Division. Engineered Capital Gains Solutions, Inc. supports the companies growing network of clients and agents looking to defer capital gains taxes. David’s role as a DST Trustee allows him to utilize his financial background and team to help clients understand their options and maximize their estate planning needs.

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NANCY ELLIS

CO-FOUNDER

Nancy, David’s wife, is the co-founder of the agency and started working with David by booking his appointments and filling his calendar to sell life insurance in the early days. She quickly mastered and created a great customer experience, from the first call through the policy delivery and follow up. Nancy handled all of David’s applications, from underwriting to issue by chasing down APS’s and obtaining every delivery requirement that came up. Nancy also took care of the agents licensing and contracting and obtained non-residence licensing across the country so David could continue to sell at night and recruit and train new agents by day. Nancy understands everything it takes to succeed in this business as a life insurance agent because she wore every hat while they built the agency together. While the agency has grown, Nancy has gotten involved in Foster Care and has stepped back more and more to raise their 7 children, 3 of their own, and 4 they have adopted. Nancy is no longer involved with the business.

SALES & MARKETING

Insurance Consultants

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MIKE McCOY

Sr. MARKETING
CONSULTANT RECRUITING                   

Mike McCoy

Mike McCoy is Sr. Marketing Consultant for Life & Annuity Masters. With over 18 years with the agency, Mike assists in advisor prospecting & recruitment, on-boarding and relationship management. Mike understands the importance of maintaining a genuine relationship with our advisors. With a broad knowledge of current and upcoming life insurance products, Mike helps producers to develop case designs specifically fit to the clients’ liking.

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QUINN ELLIS

Director of Business Development – ENGINEERED CAPITAL GAINS SOLUTIONS, INC.

Quinn Ellis

Quinn Ellis has a decade of experience in the insurance industry. Quinn started his career in the family business at Life and Annuity Masters in 2010. Beginning in contracting and new business, he quickly moved into marketing, assisting agents from everything to case design to point of sale. With a desire to pursue personal production Quinn became a licensed Life and Health Insurance professional as well as a Series 65 licensed investment advisor representative.

In his role as head of business development for Engineered Capital Gains Solutions, Inc. Quinn acts as a consultant for advisors, educating them in how to best serve their business owner clients and high net worth clientele through advanced strategies. He works with CPAs, RIAs, property and casualty agents and commercial real estate brokers to help them grow more valuable relationships with their best clients.

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DENNIS FONTAINE

Sr. MARKETING
CONSULTANT-
ANNUITIES

Dennis Fontaine

Dennis Fontaine is Sr. Marketing Consultant for Life & Annuity Masters. With over 18 years of experience in brokerage support, Dennis specializes in personal and business case design for annuities and life insurance to help producers meet their clients’ financial protection and wealth accumulation goals, as well as prospects and recruits’ producers, helping them to seek out insurance sales opportunities. Dedicated to learning about each individual’s unique goals before preparing their case design, Dennis is able to produce the best possible plan to meet a client’s specific needs.

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DARON O'BRIEN

MARKETING CONSULTANT

Daron

Daron O'Brien is a Marketing Consultant for Life & Annuity Masters. Daron specializes in personal and business life insurance to help producers meet their clients' financial goals. Daron also recruits producers and assists them with marketing materials and product case design. Daron dedicates his time to finding the best products for producers and their expanding book of business

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Redlands Division

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EDWARD HIDALGO

MGA PARTNER

Edward Hidalgo

Edward has over 20 years of experience in the financial and insurance industry and is the Founder and CEO of EM Hidalgo Wealth Management, Inc. His core focus is Premium Finance Insurance, providing significant cost-saving solutions for his business owner clients and advanced capital gains tax strategies. Edward is a member of the Chairman's Council and the Million Dollar Round Table and is the#1 Life Insurance Agent and overall, the#2 Worldwide Agent for OneAmerica®, a Fortune 500 company. Edward brings his expertise to Life & Annuity Masters to leverage his strong background in financial and insurance products and estate planning to benefit his diverse client base.

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Los Angeles Division

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ANDY ONG

REGIONAL DIRECTOR OF BUSINESS DEVELOPMENT
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JOE ESPINO

MGA PARTNER

Las Vegas Division

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EDWIN QUIROZ

MGA PARTNER
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JENNIFER QUIROZ

MGA PARTNER

New Business Case Mgmt.

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JESSICA AVENA

CASE MANAGER & NEW BUSINESS LEAD

Jessica Avena

Jessica Avena is Life Licensed Case Manager with Life & Annuity Masters. Jessica works to provide ongoing support and expertise through comprehensive assessment, implementation and overall evaluation of individual case requirements, and all new business escalated issues. She maintains primary ownership of cases during the underwriting process which requires engaging in frequent communication and coordination between agents, carriers, and internal resources.

She upholds in-depth technical knowledge of medical underwriting practices, and current brokerage processes in order to help our partners agents process their business in the most efficient manner. 

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LUPE MORALES

CASE MANAGER

Lupe Morales

Lupe is a new business case manager for Life & Annuity Masters. Utilizing the skills from her previous role in licensing and contracting, she acts as a relationship manager for multiple advisors.

Her knowledge of the regulated guidelines at the state and carrier level serves as a point of contact for communications from application submission to policy InForce.

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DALILA SANCHEZ

CASE MANAGER

Dalila Sanchez

Dalila Sanchez is Life Licensed Case Manager  for Life & Annuity Masters. Dalila acts as a relationship manager for multiple advisors and serves as a point of contact for communications from application submission to policy InForce.

She possesses strong communication skills while maintaining a high level of professionalism. She has exceptional organizational skills and a strong attention to detail.  Dalila serves as the liaison between financial advisors, external case contacts, underwriters, clients and policy owner services.

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Licensing and Contracting

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BAYLIE

LICENSING AND CONTRACTING LEAD

Baylie

Baylie is Back Office Administrator for Life & Annuity Masters. She serves as the point of contact between the insurance carriers and advisers, processing and managing all new business applications & contracts submitted to the carriers on behalf of the advisers. Maintaining state and carrier regulated guidelines to ensure your applications & contracts are submitted in compliance and with urgency.

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Operations & Administration

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LETICIA SANTIAGO

DIRECTOR OF OPERATIONS

Leticia Santiago

Leticia Santiago is Director of Operations for Life & Annuity Masters, with over 9 years in the insurance industry. Overseeing all back-office departments including New Business/Case Management, Contracting and Commissions, and Reception & Lead Support. Leticia has experience driving YOY sales and business growth, improvement on operational efficiency within the agency, driving staff morale and retention, and exceeding operational and business goals. Leticia prides herself in developing and executing intensive training to improve high-performing teams. Her qualifications in maximizing sales, empowering organizations to succeed, and improving the bottom-line have been an essential part of her success story.

She is adept at identifying areas in need of improvement, developing innovative solutions, and surpassing all goals and expectations. As an enterprising leader, Leticia is skilled in cultivating excellent relationships with key clients, staff, and colleagues. She has been highly effective at building cross-functional teams and developing inter-department communication/collaboration to drive business goals.

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JULIA

BOOKKEEPER

Julia

Julia is Bookkeeper for Life & Annuity Masters. In her role, Julia is responsible for Life & Annuity Masters’ day-to-day bookkeeping operations. Julia works closely with the company’s owners to guarantee that Life & Annuity Masters is running as a fiscally-sound company as well as adhering to industry compliance responsibilities.

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SARAH ELLIS

RECEPTIONIST

Sara Ellis

Sara Ellis is Receptionist for Life & Annuity Masters. Sarah is the first point of contact for office visitors, welcoming and directing where appropriate, whether in person or via telephone. In addition to her receptionist duties, Sarah provides administrative support across the organization, maintaining continuity among company and agent work teams. Sarah communicates directly with our agents, routing calls to necessary personnel and answering inquiries about the company. She also performs other basic bookkeeping, filing and clerical duties as needed.

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