Our Team
Principals
Rich Lovinger
Principal Agent / Owner
Rich Lovinger has been in business since 1981. Insuring customers for personal lines, life insurance and commercial insurance. It’s very important that myself as well as my staff handle our potential clients as well as current clients with making the right decisions when purchasing insurance as well as updating their policies as changes occur throughout the years. We want to be your agency for life!
Christina Montes
Commercial Lines Manager
With more than 28 years of experience, I guide clients through the confusing process of choosing the best insurance products. Not only do I strive for excellence in service, I also help our clients better protect their assets.
Se Habla Español
Destiny Montes
Insurance Agent
Celebrating 8 years’ experience in the personal and commercial industry with LFS. I can assist in shopping your next auto insurance renewal, existing homeowners or new purchase, investment property, flood, liability, commercial auto and more.
Se Habla Español
Courtney Lovinger
Sales & Business Development Manager
I bring over 18 years of strong community leadership experience to my family business. I started at LFS right out of college and have extensive experience working with C level executives. I feel fortunate to have such strong relationships and look forward to helping with your insurance needs.
Agents
Tony Villanueva
Commercial & Personal Lines
Since 2012, I have strived to help clients understand how our products work so they can make sound decisions when choosing insurance. I believe in creating long-term relationships - not just sales.
Se Habla Español
Rosa Garofalo
Commercial Lines
I joined the LFS team in November 2009. As the Commercial Lines Account Servicing Manager I am dedicated to providing individual attention to each of our clients' needs at all times.
Se Habla Español
Samantha Olmeda
Personal Lines
Licensed with LFS since 2021. Experienced in providing all personal lines of insurance products and services. I pride myself on providing exceptional service and detailed knowledge of products offered to all customers.
Se Habla Español
Administration
Barbara Ward
Operations Director
I have served as an Operations Manager with LFS since 2003, supporting our customers and assisting our agent with the day‑to‑day operations of our agency. I also manage mortgage requests, including changes and updates, to ensure accuracy and efficiency. I’m passionate about my role and committed to delivering exceptional service that leaves every client feeling valued, well cared for, and completely satisfied with their experience.
Charlotte Hunter
Operations Manager
I really enjoy delivering outstanding customer service. I support both clients and agents by handling the distribution of calls from current and prospective clients, and I assist third parties with document and information requests.