Insurance Executive with 23+ years of experience in Personal Lines, Commercial Lines, Life Insurance (Buy-Sell Agreements & Keyman Insurance), Disability Insurance and Employee benefits. Julio had the opportunity to train, work and excel in the insurance industry power houses like New York Life, State Farm Insurance, Progressive Insurance and Principal Financial Group. Julio is not all business; he believes in investing time in the community focusing on the development of small businesses and fundraising for educational scholarships. His volunteerism and philanthropic efforts have been recognized by national and local non-profit organizations and the U.S. Congress.