Meet the Team

Welcome to Team eIndividual. Our high octane team has the experience and skills to help you find exactly what you are looking for.

Jeff Bader

Jeff is the preeminent expert for working Medicare-eligibles in Northern California and specializes in helping Filice clients unravel the complexities of coordinating Medicare with employer benefits.


Lucille Maravilla

Lucille is fluent in Spanish and is very knowledgeable in Individual Services. Lucille is a tremendous help to our clients in the ever changing health world.


Terry Kaltenbach

Terry is a financial services professional. For 40 years, Terry has served client needs by using his education, experience, and wisdom to help individuals, families, and business owners protect their dreams.

Norbert Winter

Norb designed and leads the My Protection Plus platform and engagement team. Norb’s passion for planning and protecting dreams is a part of his DNA, literally as Norb grew up in a family-owned insurance agency which first opened its doors in 1908.