Nicole is and has been excellent! She is very patient and speaks very clearly and makes everything seem so easy! Nicole is very well informed and educated and this has really put me at ease. I am a new first timer Medicare applicant and both her and Leonardo have been excellent. Nicole has been very good at reaching out to me and never sounding stressed or upset! I looked into several insurance agents and agencies in the SB Area and You ... Stevens was the first one to call me back! I think I even spoke to a "live" person on my first call! I sincerely appreciated this. Thank you for helping me so much ... for your kindness and steadfastness. A. Goddard