Franklin J. Garcia, LUTCF

I am married to Lori and have four children. We live in Yorba Linda, California. I have been in the insurance business since August of 1984. I am licensed in Life/Health Insurance as well as Property & Casualty. In 1996, I established InsuranceKO as a way to increase the efficiency and quality of service to the clients and friends I have enjoyed helping throughout my 23-year career. For exercise and fun, I find pleasure in hunting, fishing, and playing golf when I have time.

Affiliations: Member of National Association of Insurance and Financial Advisors; member of Fullerton, Brea, and Hispanic Chambers of Commerce; member of the board of the Fellowship of Christian Athletes of Orange County; church group leader at Calvary Chapel of Brea and am a member of BNI (Business Network International).

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James Lee

I am happily married and a proud father of two children. I have been in the insurance business for over 15 years, specializing in employee benefits. I completed my undergraduate studies in psychology at UCSD and UCLA. My number one goal as a licensed insurance broker is to be an invaluable asset to my clients, professionally and personally. My background as an entrepreneur, developer and employee benefits specialist allow me to provide my clients with the insight, experience, knowledge and confidence to make the right decisions for their business.

Affiliations: Member, National Employee Benefits Forum, Member of Business Networking International

Ron Perry

My career in the insurance field began in 1966 which include 15 years as an Account Manager and supervisor with Blue Shield. I bring vast experience and knowledge to Insurance KO that complements the agency. Been married for 40+ years to my wife, Mary. We enjoy spending time visiting with our sons and being grandparents and enjoy traveling to different parts of the country.

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Kris Hansberger

I have been married for 20 years to my high school sweetheart, we have two children. My plunge into the exciting world of benefits began in 2000 as a Benefits Administrator. My career in the Insurance industry has taken me full circle. My years in Human Resources as well as the carrier side have provided me the opportunity to help employer groups and individuals understand the value of their benefits. As a Benefits Analyst with Insurance KO I have the opportunity to offer my clients a broad range of products and services that best suits their individual needs. I attribute my success to knowledge, dedication, passion and experience. My goal is to help my clients through a powerful network of industry professionals and to provide them with the best customer services possible.

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Christopher Mulder

My name is Christopher Mulder and I earned a Bachelor's degree in Business Administration with a concentration in Economics from St. Louis University. It was there where I met my lovely wife. I am licensed in life and health insurance and I specialize in supplemental Medicare insurance, more specifically Medicare Supplements plans, Medicare Advantage plans, and Medicare prescription drug plans. I am trained and authorized by many of the prominant health plans in California. When I am not helping our seniors, I enjoy spending time with my family and all that Southern California has to offer.

Michael Massotto

Frank and I have been friends and colleagues for many years and now I have the opportunity to work with him at Insurance KO. I'm a graduate of the Don Bosco Technical Institute in Southern California and am currently working on my MBA at the University of Phoenix. As an insurance agent, I have the unique ability to analyze an employer's benefit program and identify areas that may need enhancement. I am able to present a total cost savings program that includes benefits from both major medical and supplemental carriers. On the supplemental side, I am the agency specialist for Aflac, paying cash benefits to employees and the Caregivers program that pays cash for long-term care.