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About Us

Meet the hard working team at Albala Associates L.L.C.

Joel M. Albala, C.L.U.Joel M. Albala, C.L.U.

Joel founded Albala Associates, LLC, an independent insurance company specializing in the individual and group Life, Disability, Health and Long-Term Care Insurance. Joel has specialized in the life, disability, medical, and long-term care markets for the past 42 years. He graduated from Rider University in 1968 with a major in accounting and a minor in psychology. He then entered the insurance business with Equitable Life.

He went on to the American College in Bryn Mawr, PA and received the Chartered Life Underwriter (CLU) designation in 1972, and completed the Advanced Pension and Advanced Estate Planning courses in 1975 and 1976. Joel has been a guest speaker at several professional associations meetings including medical, dental, legal and accounting. He is also a published author in the fields of both life and disability planning.

Joel is founder of Albala & Associates and Albala Associates LLC, a second generation employee benefit firm that specializes in obtaining custom-fit products at competitive pricing with personalized service.

Joel’s most recent venture is Elite Benefit Solutions in which he and Shawn Rogers are the founding principals. Elite Benefit Solutions will bring Joel’s extensive knowledge and service capabilities to the professional athlete and entertainment marketplace

Jason AlbalaJason Albala

Jason became a partner at Albala Associates, LLC when he left George Washington University in 1993. Jason’s specializes in the Group Medical insurance department, but is also following in Joel’s footsteps in becoming an expert in the Life, Disability and Long Term Care department. Jason is a licensed Life and Health insurance broker. When he isn’t battling with the insurance companies on behalf of clients, Jason can usually be found in the kitchen working up something tasty or deciding which of his many guitars to play at one time.

Sandy Alevar-GuardonSandy Avelar-Guadron

Sandy has been an associate with the firm for over 10 years. She works in the individual insurance department as administrative assistant to Joel Albala.

Terra AlbalaTerra Albala

Terra joined the firm in 2003 and specializes in managing the Group Medical Insurance renewals. She also works as an administrative assistant to Jason Albala. Terra is a licensed Health and Life Insurance broker. In 1999, while an advertising student at Community College of Beaver County in Pennsylvania, she founded a direct marketing company. When it was sold in 2002, Pearl Promotions Inc. employed 80 people had locations in PA, CT, and OH.

lori-websiteLorien Saumier

Joining the firm in 2012, Lorien brings 15+ years of direct marketing and management experience to Albala Associates, LLC. She ran a team of 175 marketing associates for one of the leading third party administrators, selling guaranteed issue products. Lorien is a licensed Life and Health Insurance broker.


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