Meet the Team

At our firm, we have the client—and only the client—in mind.

Our reasons for becoming insurance professionals are deeply personal. We repeatedly saw friends and family struggling to find the coverage they needed. We are confident that with our understanding of the insurance space, we can help people better prepare for the future. After years in the business, we have developed a reputation for educating individuals in an easy-to-understand manner, so they can easily grasp personal insurance concepts. Above all else, we feel a commitment to our community.

At our firm, we have the client—and only the client—in mind.

Over the years, we have found that a team approach can be an effective method of helping clients with a wide variety of needs, as they navigate the complex world of insurance. We invite you to discover and experience the benefits of a diverse team with differing educational interests, experiences, and strategies.

One-size-fits-all just doesn't apply to insurance, which is why every client gets our undivided attention. We take a proactive approach when helping you develop a strategy to address all of your insurance needs. We recognize that everyone encounters challenges along the way and strive to anticipate those situations as they occur. Our only goal is to keep you and your loved ones protected with the policies you need. We invite you to check out all the material on our website. If something prompts a question, please send us a quick email or call our office. We look forward to speaking with you.


Anitra Koski

Principal

916-236-3351

916-405-4205

anitra@ins121.com

Community volunteer via Rotary // bridge player // insurance agent extraordinaire! // a Midwestern girl, a Husker fan, from Scottsbluff, Nebraska (but originally from Iowa) // pretty fair cook // pretty poor golfer
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Denise Winston

Senior Account Manager

916-236-3351

916-405-4205

denise@ins121.com

Wife, Mom of two beautiful grown gals //and Insurance Agent // lifelong novice golfer // hot yoga aficionado // loves being outdoors running, golfing, biking // never met a diet she didn’t try // Sacramento Kings fan // keeps...
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Les Willmon

Principal

916-236-3351

916-405-4205

les@ins121.com

Country music lover // Dad of three // rock star Rotarian! // follows his 2 daughters’ softball—all over the country! // all around good guy, one of the nicest you’ll ever meet // always steps in to help
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Tuuyen Do

Account Executive

916-236-3351

916-405-4205

tuuyen@ins121.com

Part time mom of her two college age kids // full time mom to Milo, her fur baby // dentist by trade. insurance agent as her second career // splits her time between Elk Grove and the Bay Area // finds joy in keeping her plants and...
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Sarah Solis

Account Executive

916-235-3351

916-405-4205

sarah@ins121.com

Mom of a teenage son, who is a great guy // football fan(atic) // a Central Valley girl, her move to Elk Grove was her first exodus from hometown of Tulare // made rock star tamales on her very first try (mmm, mmm good) // new to the...
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Anita Oyog

Account Assistant

916-236-3351

916-405-4205

aoyog@ins121.com

A great big, beautiful smile // an “almost native”, grew up in Galt most of her life // began insurance career right out of high school // keeps trying to retire, but not her cup of tea // keeps the office supplied with...
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Client Centered

Client Centered

Whether you are looking for help protecting your family, your home, or your assets, our personalized service focuses on your needs, wants, and long-term goals.

Our team has years of experience in the insurance industry. We can help you address your needs of today and for many years to come. We look forward to working with you.