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The easy-to-understand legal content on FreeAdvice.com is prepared and continually updated by nationally respected specialists at dozens of leading American law firms, by highly credentialed attorneys and legal professionals on the company’s legal and editorial staffs, and by the company’s extensive network of participating attorneys.

The insurance information at FreeAdvice.com is prepared and updated by leading insurance experts who view insurance from the consumer’s perspective and includes extensive consumer reviews.

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FreeAdvice.com provides the most useful, easy-to-understand, comprehensive and balanced legal information, general legal advice, and insurance help to consumers and small businesses.

Online for more than 20 years, FreeAdvice.com has won many awards and honors:

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FreeAdvice has received repeated accolades and top recognition on many radio and TV shows and in such highly respected publications as the New York Times, Wall Street Journal, Washington Post, and Forbes Magazine’s Best of the Web, the leading legal website for consumers.

Jeffrey Johnson

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.

Michael Vereecke

Michael Vereecke, Commercial Lines Coverage Specialist

Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage.

Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in coverage forms, and the best training available. Michael is a member of the Macomb Family Services Board, the Anchor Bay Chamber, and MIPIA (Michigan Association of Professional Insurance Agents).

Stewart J. Guss

Stewart J. Guss, Personal Injury Lawyer

Stewart J. Guss has been handling catastrophic injury claims nationwide for over 20 years. Stewart is an active member of the Texas Trial Lawyers Association, as well as several other professional organizations. The National Association of Distinguished Counsel ranked him as a top 1% U.S. personal injury attorney, and the National Trial Lawyers listed him as a top 100 trial lawyer.

Stewart founded the Stewart J. Guss Personal Injury Law Firm in 1999 and has been featured as one of the “Best Attorneys in America” by Rue Ratings since 2015. Stewart has also been designated one of the Top Personal Injury Attorneys by Houstonia Magazine since 2013. Stewart is an active philanthropist who established Houston’s Unsung Greats “HUG” Award, an annual college scholarship and supports numerous charities.

Brandon Frady

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.

Ty Stewart

Ty Stewart, Licensed 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 an insurance expert speaker at agent conventions and in top publications. 

As an independent licensed 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.

Lauren Blair

Lauren Blair, Employment & Litigation Attorney

Lauren Blair has been practicing law for more than 25 years. Lauren has been a licensed member in good standing of the Illinois Bar since 1994, the year she graduated from the Illinois Institute of Technology’s Chicago-Kent College of Law. Prior to law school, Lauren obtained a Bachelor of Arts in government from Cornell University.

She has experience working in mid-size law firms in Chicago, Morristown, and Los Angeles, specializing in commercial litigation and employment law counseling and litigation. In 2014, Lauren founded Lauren Blair Consulting (LBC), a Chicago-based employment law consulting firm providing legal advice, strategies, and risk management for businesses and individuals on a wide range of employment matters.

Chris Abrams

Chris Abrams, Licensed 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.

Jimmy McMillan

Jimmy McMillan, Licensed 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.

Adam S. Kutner

Adam S. Kutner, Personal Injury Lawyer

Attorney Adam S. Kutner has spent more than 28 years fighting for fair compensation for victims of personal injury in Nevada. Mr. Kutner got his start in Las Vegas working as an insurance defense attorney. Having seen the other side of personal injury lawsuits and with over 22,000 personal injury cases behind him, Adam knows how to get clients their settlements promptly and trouble-free. 

He is a member of the Clark County and American Bar Associations, the State Bar of Nevada, American Inns of Court, the Nevada Justice Association, and the Western Trial Lawyers Association. In April of 2008, he became a member of The American Trial Lawyers Association and was named one of The Association’s Top 100 Trial Lawyers in Nevada.

Kristen Gryglik

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.

David Brauns

David Brauns, Personal Injury Lawyer

David Brauns is the founding partner of Brauns Law, PC representing plaintiffs in injury cases. He devotes himself to personal injury litigation and helping injured residents in Georgia recover fair compensation for their damages. He began his legal career as an insurance defense attorney, where he learned how insurance companies think and evaluate claims. He leveraged that insider’s knowledge and built a successful and powerful plaintiff’s practice.

He is process and quality-driven. He will research something thoroughly before making a decision. His thoroughness, coupled with his insurance company experience, gives his clients an advantage when settling their claims. His commitment to customer service, transparency, and collaboration sets my practice apart from the other personal injury firms in his area.

Schimri Yoyo

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.

Marc Shuman

Marc Shuman, Personal Injury Attorney

Marc Shuman is a personal injury attorney and the founder of Shuman Legal, a Chicago, Illinois-based law firm. Marc has over 34 years of experience in law and is an active member of the American Bar Association and the Illinois Workers Compensation Lawyers Association (IWCLA). 

With a 95% success rate at trial that has generated millions of dollars in compensation, Marc J. Shuman has a passion for helping personal injury victims win fights against big insurance companies. Marc’s mission is to make sure that his clients can ask all the questions they have and get full compensation for their injuries.

Daniel Walker

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.

Maurice Davis

Maurice Davis, Personal Injury Attorney

Maurice Davis is a personal injury attorney and the founder of Davis Injury Lawyers, PLLC, in Detroit, Michigan. He combines his compassion with his years of legal experience to help people hurt by another party’s negligence get the justice they deserve — a mission that drives him and his team.

With a degree in political science from Michigan State University and a J.D. from Florida State University, Mr. Davis is on the National Black Lawyers Top 40 Under 40 list and has received the American Institute of Legal Counsel Client Satisfaction Award. His professional memberships include the National Lawyers Guild, Oakland County Bar Association (Michigan), and Illinois State Bar Association.

Steve Crowell

Steve Crowell, Mortgage Loan Originator

Steve Crowell is a New Hampshire based mortgage loan originator with Luminate Home Loans, Inc. After graduating from the University of New Hampshire in 2003 with a BS in Business and Economics and a BA in History, he went on to get his broker license in 2005. In 2021, he was recognized as a Luminate Home Loans “Circle of Excellence” top agent.

Steve works as a trusted resource for clients who are looking into buying or refinancing a home. He ensures that his clients are educated throughout the loan process and loves applying his knowledge and wealth of experience to unique situations. Not only does he help his customers get the best mortgage products for their needs, but he also provides them with a fun, informative, and effortless experience.

Kyle Bachus

Kyle Bachus, Personal Injury Attorney

Kyle Bachus is one of the founding partners of the Colorado law firm, Bachus & Schanker, LLC. He provides exceptional advocacy and support to clients throughout the state and across the country who have serious, pressing, and complex legal issues. Kyle has also been recognized as an AV-rated attorney and “pre-eminent lawyer,” the highest rating assigned to individual attorneys by Martindale Hubbell.

He currently serves on the board of directors of the Colorado Trial Lawyers Association. He also serves on the American Association for Justice’s board of governors and many of the organization’s committees. He is an active member of the Colorado and Denver Bar associations, as well as The Florida Bar and the Florida Justice Association. He is committed to the rights and safety of his community and the consumers who allow the community to thrive.

Scott W. Johnson

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.

Shaheen F. Manshoory

Shaheen F. Manshoory, Criminal Defense Lawyer

Shaheen F. Manshoory is a trial attorney specializing in criminal defense law, specifically litigation of complex criminal matters in state, federal, and juvenile courts, including the defense of professionals, corporations, and high-profile matters. Mr. Manshoory focused on integrating substantive knowledge and professional skills instruction. He excels in case planning and negotiations. 

Manshoory Law Group, APC was founded because Shaheen believes that every person accused of a crime is innocent until proven guilty. His firm attracts millions of people from around the world because of this principle. Shaheen aggressively fights cases to protect his clients’ rights. The Manshoory Law Group serves Los Angeles, Orange County, and the surrounding areas.

Eric Stauffer

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.

Michelle Robbins

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.

Jared Staver

Jared Staver, Personal Injury Attorney

Jared Staver is the founding attorney of Staver Accident Injury Lawyers, P.C., based in Chicago, Illinois. Jared represents clients injured in car and truck accidents, premises liability, wrongful death, dog bites, medical malpractice, and workplace accidents. His 15 professional affiliations include bar associations in Chicago, Cook County, Will County, Winnebago County, Illinois, and the American Bar Association.

Jared has earned a reputation as one of Chicago’s leading attorneys, and his case results earned him a membership in the prestigious Million Dollar Advocates Forum. His other professional associations include the National Association of Distinguished Counsel, the Commercial Vehicle Safety Alliance, the Motor Vehicle Trial Lawyers Association, and the Association of Plaintiff Interstate Trucking Lawyers of America.

Jeff Root

Jeff Root, Licensed 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.

Tracey L. Wells

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.

Jeffrey Manola

Jeffrey Manola, Licensed Insurance Agent

Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available.

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

David I. Fuchs

David I. Fuchs, Personal Injury Attorney

For over 30 years, David I. Fuchs, Injury & Accident Lawyer, P.A., has protected the rights of accident victims throughout Florida. He has recovered hundreds of millions of dollars in compensation for clients through settlements and verdicts. His practice area focuses on negligent accidents involving cars, trucks, motorcycles, rideshare vehicles, cruise ships, and other personal injury cases. 

Mr. Fuchs is a licensed attorney in New York, Florida, and the District of Columbia. He can also represent clients before the U.S. District Court Southern District of Florida, the U.S. District Courts for the Southern and Eastern Districts of New York, and the U.S. Supreme Court. He is a member of the Florida, New York, and District of Columbia Bar Associations. He is also a Broward County Bar Association member.

Heidi Mertlich

Heidi Mertlich, Licensed 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, Finance101.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.

Dustyn Coontz

Dustyn Coontz, Criminal Defense Attorney

Dustyn Coontz is a top-rated criminal defense attorney in Lansing, Michigan. He founded Coontz Law to serve the criminal defense needs in his state. His law firm offers defense on DUIs, traffic ticket appeals, criminal defense, civil rights, and appellate issues. Dustyn was honored with being named one of the “Rising Stars” in his state for 2019 – 2022. 

He is also a published author. He wrote “Surviving a Criminal Case in Michigan,” both for lawyers and everyday folks. He hopes his book can be a form of support to help people understand what they are up against and what they can expect at different stages of court cases. He provides advice to help people beat a case or at least lessen the damages.

Brad Larson

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.

Adam H. Rosenblum

Adam H. Rosenblum, Principal Attorney

Adam Rosenblum is a founding attorney with over 20 years of experience. His firm, Rosenblum Law, has offices throughout New York and New Jersey. Mr. Rosenblum’s primary focus is on personal injury, criminal defense, and traffic violations. He is admitted to practice in all state and federal courts in New York and New Jersey and is a graduate of Albany Law School.

Adam’s extensive experience includes personal injury and medical malpractice, Social Security Disability, copyright infringement, business law, real estate, contracts and general litigation, mediation and arbitration, wills and estates, and employment law. Prior to founding Rosenblum Law, Adam was a law clerk where he worked on complex commercial litigation.

Travis Thompson

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.

David Reischer

David Reischer, Licensed Attorney

David Reischer, Esq. is an attorney and the CEO of LegalAdvice.com. His mission is to provide consumers with affordable access to accurate legal advice. He writes guides to give people expert advice to help solve their legal problems no matter their personal or financial situation. He graduated from law school in 2000 with a joint MBA/JD degree from Brooklyn Law School and Zicklin School of Business. 

He has been a practicing attorney in New York State specializing in real estate transactions, family law, business law, and other general practice matters for over 16 years. He has extensive litigation experience in New York Civil and New York Supreme Court in both the commercial and civil divisions.

Justin Wright

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.

Mohit Jain

Mohit Jain, Civil Lawyer

Mohit Jain, the owner of Jain & Associates Law Firm, is a lawyer with over 10 years of experience. He specializes in litigation, including corporate, commercial, and intellectual property laws. His law firm fights trials in the Supreme Court, various high courts, and district courts with utmost devotion.  

Mr. Jain’s highly competent legal team has a reputation of delivering best-in-class affordable legal services at multiple tribunals and courts, including debt recovery, national company law, consumer disputes commission, armed forces appellate, and more.

Diego Anderson

Diego Anderson, Licensed Real Estate Agent

Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments.

He also runs a successful Visual Design business. This helps him implement popular, modern aesthetics into his listings. Utilizing both of these talents has allowed him to not only beautify his own design materials but also provide templates and training for his peers. His graphic design work and insurance and real estate advice have been featured on many sites.

Dani Best

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.

Tim Bain

Tim Bain, 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.

Patricia Gima

Patricia Gima, Lawyer & Published Legal Expert

Patricia Gima has over 15 years in the publishing industry. Ms. Gima has served as a writer and editor for Nolo.com and for the legal publisher, Matthew Bender, editing numerous titles from fighting your traffic ticket to knowing your rights as a tenant and co-authoring three books, including Pocket Guide to California Law, The Trademark Registration Kit, and How to Choose & Protect a Great Name for Your Website.

Ms. Gima practiced law in San Francisco as a partner in Creative Media Law Group, specializing in corporate law and intellectual property matters for the technology industry. She earned her law degree from the University of California, Hastings College of the Law in San Francisco, and her BA from the University of California at Los Angeles. She currently serves as Associate VP of Content for Advice Company, managing content strategy, SEO and content marketing.

Zach Fagiano

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.

Joseph Hoelscher

Joseph Hoelscher, Criminal and Family Lawyer

Hoelscher is an award-winning criminal and family trial lawyer who has become a regular media commentator and scholarly author. His cases have been featured in national media, such as America’s Most Wanted and Dateline, and he’s appeared on many major networks and been cited by publications, including U.S. News & World Report, Oprah Magazine, Reader’s Digest, and the New York Daily News.

Hoeslcher has personally published several articles for legal publications and continues to author “Texas Drunk Driving Law,” an annual text published by LexisNexis/Matthew Bender. Additionally, he is the managing attorney of Hoelscher Gebbia Cepeda PLLC, a law firm established in 2007. Hoeschler’s firm is focused on the high-quality representation of Texans in family law, criminal law, and general practice based in San Antonio, Texas.

Kalyn Johnson

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.

Michael Leotta

Michael Leotta, Insurance Operations Specialist

Michael earned a degree in Business Management degree 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.

Kimberly DelMonico

Kimberly DelMonico, Licensed Attorney

Kimberly DelMonico is a licensed attorney in New York and Nevada. She received her law degree from William S. Boyd School of Law at University of Nevada, Las Vegas, and her undergraduate degree from New York University, where she studied psychology and broadcast journalism.

In 2014, she founded BEinfluence.co, a Boutique Marketing Agency focused on Social Media Management, Influencer Marketing, Live Immersive Events + Activations, Branding, Website + Graphic Design. Kimberly founded BeInfluence.co to design and build online marketing funnels that help SMEs automate their lead generation, close more sales through the internet, and grow their business online

Angie Watts

Angie Watts, Licensed Real Estate Agent

Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process.

She has studied and written on topics including market conditions, mortgage trends, first-time home purchases, and buying new construction. In addition to real estate, Angie has a strong background in both insurance and finance. She studied Business Marketing at Waukesha County Technical College and draws upon 20 years of sales and marketing experience in all facets of her professional career.

Robert K. Scott

Robert K. Scott, Trial Attorney

Robert K. Scott, Esq. is a well-known trial attorney, specializing in all aspects of insurance litigation against insurance companies on behalf of the insured. Rigorously maintaining the highest standards of professional ethics, he has obtained multi-million dollar judgments, substantial arbitration awards, and out-of-court settlements on behalf of his clients.

His clients have ranged from individuals victimized by insurance companies to large banks and industrial companies, who recognize the value of having him as their insurance expert to help make sure they get the best possible deal from insurance companies.

Laura D. Adams

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 Next Advisor, FOX Busisness, AP News, Yahoo, Apartment Therapy, Go Banking Rates.

T.C. Kelly

T.C. Kelly, Licensed Attorney

For more than 30 years, T.C. Kelly represented clients in litigation and appeals, concentrating his practice in the areas of criminal defense, employment law, and personal injury. He now works as a consultant to attorneys and as a freelance legal writer.

Prior to his retirement, T.C. Kelly handled litigation and appeals in state and federal courts across the Midwest. He focused his practice on criminal defense, personal injury, and employment law. He now writes about legal issues for a variety of publications including ExpertPages and Justipedia.

Daniel S. Young

Daniel S. Young, Insurance Content Team Lead

Daniel S. Young is a journalist based in Birmingham, Alabama. He began his professional career in 2018 as a writer, editor, and later chief editor for his student newspaper, The Chanticleer, at Jacksonville State University. He also has written bylines for The Anniston Star, a local newspaper in Anniston, Alabama. He holds a BA  in Communication with a focus in Digital Journalism and is pursuing an MA in Journalism & Media Studies.

Since February 2022, Daniel has written and edited hundreds of articles related to the insurance industry, including auto, home, life, renters, and business insurance. He is committed to writing easy-to-read, expert content that isn’t bogged down with confusing insurance terminology.

Mary Martin

Mary Martin, Published Legal Expert

Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations.

Mary was employed for almost 30 years by the nationwide legal publisher, Commerce Clearing House, and served as an executive editor of its state tax publications. Later, she managed its California-based practice systems software unit and served as a corporate officer. She is a graduate of Dominican University.

Laura Kuhl

Laura Kuhl, Insurance Content Team Lead

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.

Rachel Bodine

Rachel Bodine, Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforcedAllWomensTalk, and AutoGespot.

Tonya Sisler

Tonya Sisler, Insurance 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.

Merriya Valleri

Merriya Valleri, Insurance and Finance 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.

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