Flores & Associates Insurance Team

A man with dark hair wearing a gray suit, light blue shirt, and patterned tie, smiling in front of a gray studio background.Joe’s Cell: (916) 396-4111
CA LICENSE #0C47455 | DRE #02113878

Joe is an independent agent and industry expert with real-world experience helping individuals and families navigate Medicare, health coverage, and retirement planning decisions with confidence.

After moving to Roseville in 1994, Joe built his career in Medicare sales with Foundation Health and Health Net before serving as Medicare Operations Manager for Western Health Advantage. His experience on both the sales and operational sides of the industry gives him a unique perspective on how health plans function and how to help people find coverage that truly fits their needs.

Joe earned his degree in Business Marketing and Management from California State University, Long Beach, an MBA from National University, and a Juris Doctor from Lincoln Law School of Sacramento.

Joe and his wife, Dina, have been married for more than 30 years and are proud parents of their three children—Paul, John, and Ruby—who are now all adults. One is married to his beautiful wife, Sarah, one is attending the University of San Diego, and one is graduating from John Adams Academy and heading off to college.

Joe believes insurance conversations don’t have to be complicated. In fact, the right plan can often be found in the time it takes to drink a cup of coffee.

So, sit down, relax, and “Have a Cup of Joe with Joe” while he helps find the coverage that fits you well.

CA License number #0C47455Also licensed in:

  • Arizona
  • Colorado
  • Florida
  • Hawaii
  • Idaho
  • Illinois
  • Kansas
  • Maine
  • Missouri
  • Montana
  • Nevada
  • New Mexico
  • North Carolina
  • Ohio
  • Oregon
  • South Dakota
  • Texas
  • Utah
  • Washington
  • Wisconsin

We continue to add more states and serve more clients! Contact us if you don’t see your state listed.

Paul Flores: A young man with dark hair, wearing a dark suit jacket and white dress shirt, smiles confidently while standing in a corridor with blurred brick and stone details in the background.Paul’s Cell: (916) 715-6459
CA License #0M83908

Paul has been a licensed Life and Health Insurance agent since the beginning of 2019, helping individuals and families navigate some of the most important decisions about their health coverage.

After spending 18 years growing up in the Roseville area, Paul moved to Los Angeles to begin his four-year tenure at the University of Southern California. He graduated from USC in 2022 with a BS in Business Administration with an emphasis in Marketing and a minor Consumer Behavior and remained working in marketing while simultaneously assisting new and existing clients with their health insurance needs.

Paul transitioned to a full-time role in insurance in 2024, serving members in Northern California remotely from Los Angeles. In 2025, he married his college sweetheart, Sarah, and soon after they moved to their new home in Roseville to be closer to the family business and better support clients in the region.

He has a passion for what he does because his approach is that of a guide rather than a salesman. Insurance, especially Medicare can feel complicated and overwhelming, and his goal is to meet people where they are, understand their situation, and help them navigate their insurance transition process step by step in a way that is understandable and tailored to their specific needs. Paul’s priority is helping clients feel confident, informed, and fully supported–no matter which coverage option is chosen.

A woman with long dark hair and a white top stands outdoors in front of large green leaves. There are people and a building in the background.Dina grew up in Roseville, California and since has become a long-time resident. After graduating from Oakmont High School, she attended Sierra College and then transferred to CSU, Long Beach for a degree in Health Care Administration. While at Long Beach State, Dina met Joe, her future husband whom she would marry in 1996. After working in the health insurance industry for six years, she returned to school to get her teaching credential and master’s in education. Once she became a mom, she taught at Adventure Christian School intermittently; however, most of her time was spent supporting Joe in his work, raising their three children, and serving in various capacities within the ministry of Community Bible Study. Although Dina has been a licensed Life and Health Insurance agent since 2005, she never actively sold insurance until 2025 to help Joe with all the changes occurring in the Medicare market during that season. She currently serves as Office Manager at Flores & Associates Insurance Services, where she is focused on building and streamlining systems that support exceptional client service.

A young woman with straight brown hair, wearing a black off-the-shoulder top, sits and smiles on an orange couch. There is a blurred figure and a cactus in the softly lit background.Hannah has spent the past eight years working in and out of the marketing field, supporting organizations ranging from a nonprofit and a nursery to a family-owned insurance business. She enjoys combining creativity with strong organization to help businesses share their message effectively. Hannah is passionate about developing ideas, managing projects, and bringing structure to creative work.

Hannah grew up in the Roseville area before moving to Southern California to complete her final two years at California State University, Long Beach—Go Beach! While in school, she secured a marketing internship with the Women’s Symposium of Southern California, where she managed email and social media accounts and helped plan the organization’s annual symposium. She graduated in 2018 with a degree in Business Marketing, returned to her hometown, and in 2019 married her husband and began working as a Marketing and Events Coordinator for a local nursery.

Hannah transitioned through a few different roles before welcoming her first child, Cash, in 2024. She was grateful to spend a little over a year as a stay-at-home mom before returning to work part-time as the Marketing Manager for Flores and Associates Insurance Services, her uncle’s business. It’s a full-circle moment for Hannah, as she first helped with marketing for the company just for fun during her community college years.