Enhanced Benefits Insurance Solutions, “EBIS” for short, was created out of a need to simplify enhanced voluntary benefits while still creating solutions that fit the needs of our broker partners and clients.


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Jack Holder


It was evident early on that Jack loved entrepreneurship. He believes that inspiration came from first watching and later, at age 16, working alongside his amazing grandparents to learn how to run a business. And there a passion was born.

After graduating from PSU, and a slight detour, America's finest city beckoned. Without a job or place lined up, Jack drove to sunny San Diego. After many interviews and thorough consideration, Jack decided to take a chance on insurance because it gave him the opportunity to help solve real problems.

He enjoys fishing, the outdoors and brewing his own beer. Fun fact: Jack worked and lived on a ski resort and a cruise ship. 

License No. 0E74519

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Jackie Holder

Vice President Operations

Jackie has over 11 years enhanced benefits experience, gravitating towards industry and indirect technical advancements.  That interest and her out of the box thinking allowed her to grow to a top 0.4% nationally recognized carrier rep before co-founding Enhanced Benefits Insurance Solutions.

She moved to San Diego to obtain her Bachelors of Science degree in Business Management from San Diego State University. After graduating, she couldn't bring herself to move away from the great weather. Jackie is the mother of two lively girls, on the PTA board and involved with Girl Scouts. In her free time, she enjoys time with her family, baking, puzzles and a fierce game of billiards.

License No. 0F93577

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Crystal Armstrong

Account Manager

Crystal has over five years of experience working in the enhanced benefit field and has a passion for helping her clients. Providing a clear understanding through proper education and having a genuine connection to clients is what is most important for her in this industry. 


Crystal was born and raised in San Diego with her three brothers after both of her parents left their military service in the Marine Corps. She graduated from SDSU with a B.A. in International Business and traveled across Europe studying German for her degree. Crystal currently resides in Las Vegas with her family as our Nevada producer and still visits San Diego for work and family often.

CA License No.0J14656

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Heather Siems

Vice President Sales

With over 10 years in the enhanced benefits space, Heather has a passion for working with people to protect themselves and their families. Through her tenure with one of the leading voluntary benefits companies in the industry she lead a high performing team for over 5 years.

As an active member of the San Diego Health Underwriters Association (SDAHU), Heather enjoys working with local broker partners to expand their business and bring additional value to their clients. When she is not working, Heather enjoys spending time with her two young children, yoga and time with friends. Some of her greatest accomplishments include her degree in both Biology and Psychology and starting the ASU Dancing Devils dance team in 2002, which is still thriving today.

CA License No. 0G54263

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Jessie Diaz

Account Manager

Jessie has three years experience in the insurance industry, stumbling into this role as a way to help fill her free time and still help people.

Originally from Texas, she moved to San Diego for her husband's military assignment but quickly grew to love the weather and culture that San Diego has to offer.  Being a military spouse, change is her norm, though she has been lucky enough to call San Diego home for the past 8 years and plans to keep it that way.  Jessie is the mother of two rambunctious kids involved in every activity in the book. When she is not volunteering at their schools or between their activities, she enjoys reading, baking, baseball and competing in cross-fit competitions.

License No. 0K42899

Stephanie Deran

Lead Benefit Counselor

Stephanie has a passion for helping people that radiates from her core. She has 25 years of customer service experience over a range of positions, instinctively working to resolve any challenge she's presented with.

An avid leader within her church and dedicated community volunteer, helping people is what drove her to succeed in insurance for the past 10 years. 

Stephanie and her husband Erik are both native San Diegans, celebrating ten wonderful years of marriage. Stephanie is a poki bowl connoisseur, loves the beach, cooking, her three adorable cats and studying the bible.

License No. 0G85831


Ralph Fernandez

Benefit Counselor

Ralph has been in the insurance industry since 2011. He is passionate about simplifying the benefit process and helping others understand their options.

Recently he received his Masters from University of California San Diego.


License No. 0H49126

Emily Longoria-Hernandez

Account Relations

Emily is an SDSU Alumni who is hardworking and dedicated to helping others. She is fluent in English and Spanish. Her passion for helping people has led her to the insurance industry.


San Diego has been home for her family for over 12 years, and she enjoys going to the beach every chance she gets! 

License No. 4011628


Sylvia Lemmon 

Customer Support

Sylvia was born and raised in El Paso, Texas and has been married 36 years with 3 daughters and 3 grandchildren.  She has always have had a position in customer service aspect with over 10 years in the Insurance industry.


She finds joy in helping people and is a member of Angles of El Paso which is a group of volunteers who make medical masks to support healthcare providers in an effort to combat Covid-19.

In her spare time she  enjoys bowling, reading, and going on cruises.  Most of all she enjoys spending time with her daughters and her grandchildren.

License No. 0I80555

Laura Gutierrez Profile Picture.jpg

Laura Gutierrez

Benefit Counselor

Laura Gutierrez brings over nine years of insurance industry experience to EBIS. Raised in Los Angeles, she understands that no two families are the same and that every family has unique needs. Her mission is to provide outstanding service with a personal touch.

The past four years, Laura's focus has been empowering policyholders to fully understand and comprehend their policies by providing detailed information regarding all features of their plans. Laura’s dedication to superb customer service and satisfaction has earned her excellent regards by clients and professional colleagues at all the companies she has worked and collaborated with.  

License No. 0L15809