Congratulations! These licensed Medicare agents serve your local area.
Janis Lakkees

Medicare Agent

Janis partnered with Bridlewood in 2016 and is the owner of Your Life Solutions Insurance Agency.  Janis has over 10 years experience in the insurance industry.

Janis has a passion for helping others. Her heart is dedicated to helping seniors understand Medicare and their options.  Doing what is best for her clients is what she is committed to in this industry.

Her intention, integrity, and passion comes from raising her special needs son.
Besides her 11 year old son, Janis has 3 daughters.  Her oldest is 22 years old and her youngest are 9 year old identical twins.  Janis loves living an active and healthy lifestyle.  She enjoys the beach, running, hiking, cycling, being outdoors, and most of all spending time with her children.
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, CA 3582.9 mi

Cindy Santos Mendoza

• Bilingual • Medicare Advantage • Medicare Supplement • Medicare Prescription Drug Plans • Medi-Medi

Cindy received her Bachelor’s Degree in International Business and Marketing from California State University at Long Beach. She is passionate about helping people protect their greatest assets – their health and financial wellbeing. For more than two decades, Cindy has worked in a variety of roles with nonprofits and foundations dedicated to enabling individuals and communities to thrive at different stages in their lives, which included helping people earn college degrees, become entrepreneurs, and achieve the dream of homeownership.

Cindy became a fully-licensed life and health insurance agent with a focus on providing education and awareness about complicated insurance options so that Medicare recipients can make an informed decision about which plan is best for their unique needs. As a native Spanish speaker, Cindy served as First American Corporation’s spokesperson and Public Relations contact for Spanish-language media. She also managed FAC’s homeownership foundation, serving as the primary point of contact for nonprofit partners.

Cindy is passionate about providing education to Medicare recipients, breaking down often complicated and overwhelming information into smaller, easier-to-understand modules. She enjoys staying connected with her clients and becoming your ally on your Medicare journey as well as your primary point of contact for all your Medicare questions.

She has been married to her husband Carlos for almost 20 years, has 3 daughters and one dog. Cindy loves the outdoors, whether it be hiking, at the beach, or in the mountains, nature is her zen place. She also loves to travel and prefers to not visit the same place twice to provide her daughters with a broader view of the world.


Murrieta, CA 3583.2 mi

Clara Gill

• Bilingual • Medicare Advantage • Medicare Supplement • Medicare Prescription Drug Plans • Medi-Medi • Life • Long Term Care

Medicare Agent

Clara was born in Panama and is married to Vicente Gill, also of Panama and USN Retired. We are active members of Mission Hills Church, in San Marcos, CA. My husband and I have two adult sons and four beautiful grandchildren. My granddaughters enjoy tea parties, and my grandsons enjoy exploring the backyard. I enjoy reading, gardening, travel, and spending precious time with our grands. I am fluent in English and Spanish. My favorite TV shows are anything HGTV and The Good Doctor. I have a Bachelor of Arts degree in Business Administration.

Over the past 25 years, I’ve worked in mortgage servicing and retail banking, and since 1999, in financial services. I focus on retirement strategies, and maximizing the financial component of “quality of life” in retirement.
Although health coverage was an important part of my practice, I referred my clients for their Medicare needs. Today I see the value of helping senior adults obtain the right coverage at any age because Medicare is an important part of that “quality of life” in retirement, and an important service for me to provide.

My clients have come to expect warm personal attention, and professional, suitable advice. My desire is to give independent and unbiased recommendations, make available a variety of products, and provide the best service possible. My greatest satisfaction comes from the success of each client and the long-term relationship we develop.

Escondido, CA 3588.5 mi

Michelle Montiel-Zarifopoulos

• Medicare Advantage • Medicare Supplement • Medicare Prescription Drug Plans • Medi-Medi

Escondido, CA 3588.6 mi

Madison Wetzel

Madison became a licensed Medicare Insurance agent in the fall of 2011 to help her father, Jeff Wetzel, with the heavy load of the Annual Enrollment time. For eight years, Madison was a elementary substitute teacher in both San Marcos and Poway school districts. She believes in good service and public relations and strives for excellence whether it is working with the over 65 community or the under 11.

Raised in Poway, CA, Madison got her Bachelor’s degree in Liberal Studies from Cal Poly Pomona in 2010. She then continued to get her K-6 teaching Credential in 2011 from CSU San Marcos.

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Escondido, CA 3590.1 mi

Benedict Maloney

• Medicare Advantage • Medicare Supplement • Medicare Prescription Drug Plans • Medi-Medi

San Diego, CA 3591.5 mi

Sean Villafranca

• Medicare Advantage • Medicare Prescription Drug Plans

Sean received his Bachelor’s degree from the University of California, San Diego and his Master’s degree from California Baptist University.  In addition to being licensed to sell Medicare Insurance, he also sells Property and Casualty (Home, Auto, Renters) Insurance. Something interesting about Sean is that he has 22 years of Healthcare Leadership Experience. He has managed all medical service lines, Primary Care, Surgical Services and Medical Specialties. He understands how healthcare works and he uses that to help his clients when selecting the best healthcare option for their particular needs.  Sean’s primary focus is in Medicare Advantage plans, but he does offer other Medicare products.

He found that Bridlewood Insurance has been San Diego’s highest rated insurance carrier for a number of years, and as such, he determined that he wanted to work there because he only wants to work with the best!  His clients are his highest priority, and finding the right coverage for them is an important decision for them, and he works hard to help make sure they make a sound, well thought out decision.

Sean is a native San Diegan, having lived here all of his life.  He has lived in most areas of the county, stretching from as far south as Imperial Beach, to his  present residence in Escondido.  His wife’s name is Kara, and they have been married 20 years.  He is blessed with two boys- Noah and Micah.  Their dog, Rex, is another member of their family.  Sean loves to spend as much time with his family as possible.  He also loves to hike, mountain bike and work on his house with “do-it-yourself” projects.  His other passion is coaching his two sons in football and baseball.  He has coached year round for 11 years. Additionally, his parents live in Ramona and they spend a lot of time together.  He makes a point of always keeping an eye out for their health and their coverage to make sure they get to spend many more years together.


Escondido, CA 3591.7 mi

Derek Anderson

• Covered California • Health • Medicare Advantage • Medicare Supplement • Medicare Prescription Drug Plans • Life

Derek has more than 17 years of experience as a licensed Insurance Agent, offering Life, Health, Medicare and P&C coverage.    He has worked as a Farmer’s Insurance agent, and has earned several of their top achievement awards, including Championship Agent and “Toppers Club” Agent.  He is also a Marine Corps veteran, serving 8 years in the Infantry.

Derek added Medicare to his lines of insurance when his mother, Jackie Anderson, introduced him to her Medicare Agent, Jeff Wetzel, who is President and CEO of Bridlewood Insurance.  She lives at Los Arcos assisted living in Poway, and Jeff had been their primary Medicare resource for years.  One day while visiting his mother, Derek saw the “famous” monthly newsletter that Jeff sends to all his clients, and realized that they had a shared passion of helping others.  He reached out to Jeff and got contracted with Bridlewood.  He loves seeing the smiles on his client’s faces when he has helped them choose the right  Medicare plan for their needs.  He is committed to doing the right thing for his clients . . . every time!  He believes protecting ones health with great insurance coverage, is the most important and rewarding part of his job.

Derek was born and raised in Minneapolis, Minnesota, and joined the US Marine Corps when he was 22 years old.  He settled in San Diego after leaving the military. He met his wife while serving in Japan, and he and Yukiko have been married for almost 26 years.  They have 3 children – Annabelle (23), Tait (18) and Warren (17).  His best friend is his 7 year old maltipoo, Chiba.  Derek and Yukiko love to travel, and enjoy the outdoors.  He loves seeing and learning about new places, and enjoys trying different ethnic foods from around the world.  He also enjoys taking long walks with his wife and Chiba.



Poway, CA 3592.3 mi

Justus "Jay" Gray

• Final Expense • Health • Medicare Advantage • Medicare Supplement • Medicare Prescription Drug Plans • Medi-Medi • Life

Jay is a seasoned southern California insurance agent with more than 15 years of experience.   Medicare, Health and Life insurance are his specialties and he works with the majority of the major insurance carriers.   He feels proud and privileged to have the opportunity to work with his daughter, Heather, and enjoys the father/daughter working relationship!

After living in Big Bear for 10 years with his dad, Jay learned how confusing Medicare could be for seniors. The last year in Big Bear his Dad’s heath declined and all he had was VA coverage.  They learned first hand, the hard way, what not to do. And after his dad passed away in December 2009, he decided to specialize and concentrate in the Medicare insurance field.

Jay’s #1 job now is helping seniors better understand their Medicare options, answering all their questions, and helping them to feel comfortable and to make an informed decision on the best plan that fits their needs and their budget.

San Marcos, CA 3592.3 mi

Heather Gray

• Covered California • Health • Medicare Advantage • Medicare Supplement • Medicare Prescription Drug Plans • Medi-Medi • Life

Heather, a California Girl born and raised​​, grew up in the small town of Ramona​. After graduating from Montecito High School in 2006, ​​she pursued ​a Real Estate ​Career and joined Keller Williams Realty and tried her luck at Real Estate for 5 Years.

In 2014, Heather made the best decision of her life and switched careers, selling insurance.  She truly feels that this is her passion, and she has had the best trainer and mentor helping me every step of the way – her dad, Jay Gray. ​It is very rewarding ​being able to ​work ​together and spend time growing their business as a team. Her dad has shortened her learning curve tremendously, as he has been helping people throughout Southern California with their insurance for over 15 years, and he knows all the do’s and don’ts.   Heather specializes in taking the time to help her clients find a plan that fits their needs and budget for Medicare, Health and Life Insurance.  She really enjoy working with seniors, and takes great satisfaction in assisting them through this confusing process.   She loves being able to offer home appointments or virtual appointments, to explain and answer all their questions with regard to their preferred doctors, hospitals and prescription drugs.  Heather represents most of the major Medicare carriers and can help guide her clients to the appropriate plan, based on their medical and financial concerns.
In 2009, Heather had her son Kaden, who is a spunky little redhead that keeps her on her toes. He definitely​ is growing up way too fast, and has her laughing a lot. Heather loves music and enjoys going to concerts, Mexican food, going to winery’s and hanging out with friends and family! She also loves the flexibility of being her own boss and being able to make her own schedule.  She says she can’t imagine her life any other way.

San Marcos, CA 3592.3 mi

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