Karl Hamina III, regional manager for the Great Lakes Region (Grand Rapids, MI; Madison, WI; Minneapolis, MN; Rochester, MN; Indianapolis, IN., and the region is headquartered in Novi, MI). Karl has been licensed with Pennsylvania Life since 1981; he received his economics degree from Albion College in Albion, MI. After college, Karl worked for two years as a broker with Merrill Lynch. He is a licensed securities principal with Active 63, 6, 7, 17 and 26 Certifications.

Karl lives in Hartland, Michigan with his wife Debbie, daughter Nicole and two sons, Karl IV and Matthew. He enjoys family, the outdoors, coaching youth athletics, and is active in his church.

Jess Roques joined PennLife as an agent in their Winter Park, Florida office on July 11, 1972. He became special services manager there in March 1973. In 1975, Mr. Roques migrated to Jackson, Mississippi, along with friend and mentor, George Mandas (who retired from PennLife in 1989), when he moved from Birmingham, Alabama to establish a branch office. He started as services manager, and became a full partner in the operation in June of 1977. The Jackson office consistently maintained its status as one of the largest branch offices in PennLife until June of 1996, when the Midsouth Region was established.

The Midsouth management team is currently made up of Jess and Sutter Smith, his regional P&L partner, plus P&L managers Jerry Walters and Bill Shirey, in Jackson, Mississippi and Lafayette, Louisiana, respectively.

The Midsouth Region has made a heavy commitment to provide the products necessary to service the rapidly growing senior market in Louisiana and Mississippi. The sheer size of this market, along with the necessity of maintaining policyholder service and growth in our traditional disability income markets, has created unprecedented opportunity for management growth at all levels in the Midsouth Region.

Jess Roques attended the University of Missouri at Columbia, Missouri from 1957 through 1961, pursuing a BS degree in electrical engineering. During his last semester he was dually enrolled for a BA degree in business administration.

Don Veltkamp was licensed in July, 1974 and has since then consistently won the various sales leadership awards (President's Clubs, summer contests, etc.).

The Midwest Region was established in 1961 in Sioux City, Iowa where the regional office remains today. In the 42 years since, Midwest has always been one of the leading regions in production, winning 1st place awards in many of the competitions. Midwest prides itself on the high individual income earned across the total number of agents. We can truly say to our people that when you are with us, you are with the best!

Don and his wife, Wanda, have two children.

Scott Widell began his PennLife career in 1978 in California. Mr. Widell managed five branch offices in northern California before moving to Dallas, Texas in 1994.

The Sunbelt Region was created in 1978 in California and rapidly expanded throughout the western United States. The regional headquarters is split between Dallas, Texas and Sacramento, California. We have five district territories with corresponding district managers; Northern California (Darren Wittick), Southern California (Stan Cole), Idaho and Washington (Keith Waterbury & Mark Stanczak), North Texas & Oklahoma (Dan Guerra) and South Texas (Scott Benton).

The Sunbelt Region covers a great deal of the western United States and is enormously diverse, both geographically and culturally. We are expanding on several fronts simultaneously and we welcome qualified candidates in both sales and management.

Mr. Widell attended the University of Montana as a history major. He participated in NCAA varsity downhill ski racing. Mr. Widell is married to Debra Graves. They have 5 children ranging in age from 3 to 23.