AAA Life Insurance Executive and Leadership Team

October, 2026

Leadership Overview

AAA Life Insurance has 10 executives leading key functions including marketing, operations, staff management, information technology, finance, human resources, and legal strategy.

Committed to providing financial security through insurance and annuity products, AAA Life Insurance delivers reliable protection to policyholders while maintaining a strong market presence across the United States.

Leadership Roles at AAA Life Insurance

  • Senior Vice President, Chief Financial Officer and Treasurer - Kevin Heil
  • Chief Operating Officer - Michael Vellat
  • President & Board of Directors - Keith Putnam
  • Chief Marketing Officer - Shuchi Sarkar
  • Chief of Staff - Emily Heinlein
  • Senior Vice President and Chief Marketing Officer - Betty Schick
  • Senior Vice President, Chief Information Officer - Matthew Scully
  • Senior Vice President, Chief Information Officer - Damian Bridges
  • Executive Vice President & Chief Human Resources Officer - Christin Joyner
  • Executive Vice President & Chief Legal Officer - Narda Zuniga
  • Kevin Heil - Senior Vice President, Chief Financial Officer and Treasurer

    Kevin Heil, the Senior Vice President, Chief Financial Officer and Treasurer at AAA Life Insurance, manages the fiscal health and capital allocation strategies of the organization. Overseeing the financial reporting and treasury functions, the Senior Vice President, Chief Financial Officer and Treasurer ensures that the company maintains sufficient liquidity to meet all policyholder obligations. This leadership role involves monitoring investment portfolios and managing risk to ensure long-term solvency. By optimizing the capital structure, Kevin Heil directly impacts the financial stability of the firm. Ultimately, Heil provides the fiscal oversight necessary to support the company's growth objectives, ensuring that all financial activities align with the core mission of delivering reliable insurance and annuity products.
    Kevin Heil

    Michael Vellat - Chief Operating Officer

    Michael Vellat, the Chief Operating Officer at AAA Life Insurance, manages the internal workflows and administrative efficiency of the organization. Overseeing the daily execution of insurance product delivery, the Chief Operating Officer ensures that operational processes remain scalable and compliant with industry regulations. This leadership role involves coordinating between departments to streamline the underwriting and claims processing cycles. By implementing rigorous performance metrics, Michael Vellat directly impacts the operational agility of the company. Ultimately, Vellat maintains the structural integrity of the business, ensuring that all service delivery mechanisms support the overarching goal of providing reliable annuity and insurance solutions to a diverse client base.

    Keith Putnam - President & Board of Directors

    Keith Putnam, the President & Board of Directors at AAA Life Insurance, defines the overarching strategic vision and governance standards for the company. Overseeing the alignment between executive management and the board, the President & Board of Directors ensures that all business activities support the long-term mission of providing secure insurance and annuity products. This leadership role involves setting the tone for corporate ethics and market expansion. By guiding the executive team through complex industry challenges, Keith Putnam directly impacts the strategic trajectory of the firm. Ultimately, Putnam maintains the company's commitment to policyholder security, ensuring that all organizational efforts remain focused on delivering value and maintaining a strong market position.
    Keith Putnam

    Shuchi Sarkar - Chief Marketing Officer

    Shuchi Sarkar, the Chief Marketing Officer at AAA Life Insurance, directs all brand positioning and customer acquisition strategies. Overseeing the development of digital engagement platforms, the Chief Marketing Officer ensures that insurance and annuity products reach target demographics effectively. This leadership role involves analyzing market trends to refine product messaging and enhance consumer trust. By optimizing multi-channel advertising campaigns, Shuchi Sarkar directly impacts the growth of the policyholder base. Ultimately, Sarkar secures long-term brand loyalty through data-driven outreach initiatives that align with the broader corporate mission of providing accessible financial protection across North American markets.
    Shuchi Sarkar

    Emily Heinlein - Chief of Staff

    Emily Heinlein, the Chief of Staff at AAA Life Insurance, coordinates executive communications and facilitates strategic alignment across the leadership team. Overseeing the prioritization of corporate initiatives, the Chief of Staff ensures that organizational goals remain synchronized with the long-term vision for insurance and annuity product expansion. This leadership role involves managing high-level projects that require cross-functional collaboration and precise execution. By fostering clear communication channels, Emily Heinlein directly impacts the efficiency of the executive office. Ultimately, Heinlein supports the decision-making processes of the senior leadership, ensuring that all internal resources focus on delivering value to policyholders and maintaining the company's reputation for excellence in the insurance sector.

    Betty Schick - Senior Vice President and Chief Marketing Officer

    Betty Schick, the Senior Vice President and Chief Marketing Officer at AAA Life Insurance, architects the long-term market expansion strategies and product lifecycle management. Overseeing the integration of customer insights into product development, the Senior Vice President and Chief Marketing Officer ensures that annuity offerings meet evolving consumer needs. This leadership role involves collaborating with the sales and product teams to identify new growth opportunities within the insurance landscape. By refining the value proposition for diverse market segments, Betty Schick directly impacts the competitive positioning of the firm. Ultimately, Schick drives sustainable revenue growth through innovative marketing frameworks that emphasize the reliability and financial stability of the company's insurance portfolio.
    Betty Schick

    Matthew Scully - Senior Vice President, Chief Information Officer

    Matthew Scully, the Senior Vice President, Chief Information Officer at AAA Life Insurance, directs the digital transformation and cybersecurity infrastructure of the enterprise. Overseeing the implementation of advanced data analytics platforms, the Senior Vice President, Chief Information Officer ensures that information systems support the complex requirements of insurance underwriting and policy management. This leadership role involves modernizing legacy software to improve user experience and operational speed. By securing the digital perimeter, Matthew Scully directly impacts the protection of sensitive policyholder data. Ultimately, Scully maintains the technological backbone of the organization, ensuring that all digital assets remain resilient and capable of supporting the company's mission to provide secure financial products.

    Damian Bridges - Senior Vice President, Chief Information Officer

    Damian Bridges, the Senior Vice President, Chief Information Officer at AAA Life Insurance, leads the development of scalable cloud infrastructure and enterprise software solutions. Overseeing the integration of automated systems into the claims processing workflow, the Senior Vice President, Chief Information Officer ensures that technology enhances the speed and accuracy of service delivery. This leadership role involves managing the technical roadmap to support the company's expansion into new digital markets. By optimizing system performance, Damian Bridges directly impacts the operational efficiency of the insurance business. Ultimately, Bridges drives innovation in the technical department, ensuring that all software tools remain aligned with the company's commitment to providing seamless and secure financial services to policyholders.
    Damian Bridges

    Christin Joyner - Executive Vice President & Chief Human Resources Officer

    Christin Joyner, the Executive Vice President & Chief Human Resources Officer at AAA Life Insurance, directs the talent acquisition and organizational development strategies. Overseeing the cultivation of a high-performance culture, the Executive Vice President & Chief Human Resources Officer ensures that the workforce possesses the skills necessary to support the company's insurance and annuity operations. This leadership role involves designing compensation structures and employee engagement programs that attract top industry talent. By fostering professional growth, Christin Joyner directly impacts the retention and productivity of the staff. Ultimately, Joyner aligns human capital initiatives with the broader corporate mission, ensuring that the organization maintains the expertise required to deliver exceptional service to all policyholders.
    Narda Zuniga, the Executive Vice President & Chief Legal Officer at AAA Life Insurance, manages the regulatory compliance and legal risk management frameworks. Overseeing the legal department, the Executive Vice President & Chief Legal Officer ensures that all insurance and annuity products adhere to state and federal regulations. This leadership role involves navigating complex legal landscapes to protect the company's interests and reputation. By providing counsel on corporate governance and contract law, Narda Zuniga directly impacts the operational stability of the business. Ultimately, Zuniga mitigates risk through proactive legal strategies, ensuring that the company remains compliant while pursuing its mission to provide reliable financial protection to policyholders across the country.
    Narda Zuniga

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    Frequently Asked Questions Regarding AAA Life Insurance Top Executives and Leadership Team

    Who leads AAA Life Insurance?
    AAA Life Insurance is led by Kevin Heil (Senior Vice President, Chief Financial Officer and Treasurer), along with executives such as Michael Vellat (Chief Operating Officer) and Keith Putnam (President & Board of Directors).
    Who is part of AAA Life Insurance’s executive team?
    The executive team of AAA Life Insurance includes leaders such as Kevin Heil (Senior Vice President, Chief Financial Officer and Treasurer), Michael Vellat (Chief Operating Officer), Keith Putnam (President & Board of Directors) and other senior executives.
    How many executives does AAA Life Insurance have?
    AAA Life Insurance has 10 executives leading key business areas.
    What roles are included in AAA Life Insurance’s leadership team?
    The leadership team of AAA Life Insurance includes roles such as Senior Vice President, Chief Financial Officer and Treasurer, Chief Operating Officer, President & Board of Directors, Chief Marketing Officer, Chief of Staff.