AAA Life Insurance Executive and Leadership Team

July, 2026

Leadership Overview

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

Driven by a commitment to customer security, AAA Life Insurance provides essential insurance and annuity products, fostering financial stability and peace of mind across its client base.

Leadership Roles at AAA Life Insurance

  • Chief Executive Officer - Michellee Garcia
  • 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, Chief Information Officer - Damian Bridges
  • Executive Vice President & Chief Human Resources Officer - Christin Joyner
  • Senior Vice President and Chief Marketing Officer - Betty Schick
  • Executive Vice President & Chief Legal Officer - Narda Zuniga
  • Michellee Garcia - Chief Executive Officer

    Michellee Garcia, the Chief Executive Officer at AAA Life Insurance, directs the overarching corporate strategy and operational execution. Garcia's leadership ensures the company's insurance and annuity products align with market demands and regulatory requirements. This executive guides the organization's expansion and financial performance, focusing on sustainable growth and enhanced customer value. Garcia oversees the integration of all departmental functions to achieve unified business objectives. The Chief Executive Officer's role involves fostering a culture of innovation and accountability throughout the enterprise. Michellee Garcia drives the company's mission to provide essential financial security products to policyholders.

    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, directs all financial operations and fiscal strategy. Heil manages financial planning, budgeting, accounting, and treasury functions, ensuring the company's financial health and stability. This executive oversees investment strategies and capital management to support business growth and profitability. The Senior Vice President, Chief Financial Officer and Treasurer ensures compliance with financial regulations and reporting standards. Kevin Heil's leadership is critical in managing the company's assets and liabilities, optimizing financial performance. Heil provides financial insights to guide strategic decision-making and maintain stakeholder confidence.
    Kevin Heil

    Michael Vellat - Chief Operating Officer

    Michael Vellat, the Chief Operating Officer at AAA Life Insurance, manages the day-to-day operational efficiency and service delivery. Vellat's responsibilities include optimizing business processes and ensuring the seamless execution of insurance and annuity product administration. This executive oversees claims processing, policy management, and customer support functions. The Chief Operating Officer drives initiatives to enhance operational scalability and cost-effectiveness across the organization. Michael Vellat ensures that all operational activities adhere to stringent quality and compliance standards. Vellat's leadership focuses on maintaining high levels of customer satisfaction through reliable and responsive service.

    Keith Putnam - President & Board of Directors

    Keith Putnam, the President & Board of Directors at AAA Life Insurance, provides high-level strategic direction and governance oversight. Putnam leads the board in setting the company's long-term vision and ensuring alignment with shareholder interests. This executive guides the organization's strategic planning process and approves major corporate decisions. The President & Board of Directors champions corporate responsibility and ethical business practices. Keith Putnam's leadership ensures that the company operates with integrity and adheres to its mission of providing reliable insurance and annuity products. Putnam's role is essential in maintaining the company's financial strength and market reputation.
    Keith Putnam

    Shuchi Sarkar - Chief Marketing Officer

    Shuchi Sarkar, the Chief Marketing Officer at AAA Life Insurance, architects and executes comprehensive marketing strategies. Sarkar's focus centers on enhancing brand visibility and driving customer acquisition for insurance and annuity products. This executive oversees all advertising, digital marketing, and public relations initiatives. The Chief Marketing Officer ensures consistent brand messaging across all channels, reinforcing AAA Life Insurance's commitment to financial security. Sarkar's leadership cultivates customer loyalty and expands market reach through targeted campaigns. Shuchi Sarkar directs market research efforts to identify emerging trends and consumer needs, informing product development and promotional activities.
    Shuchi Sarkar

    Emily Heinlein - Chief of Staff

    Emily Heinlein, the Chief of Staff at AAA Life Insurance, provides strategic support and operational coordination for the executive leadership team. Heinlein facilitates cross-functional collaboration and drives key strategic initiatives from conception to completion. This executive manages special projects and ensures alignment between departmental objectives and the company's overall mission. The Chief of Staff acts as a key liaison, streamlining communication and decision-making processes. Emily Heinlein enhances organizational effectiveness by optimizing resource allocation and project management. Heinlein's role is critical in advancing the company's goals in the insurance and annuity markets.

    Damian Bridges - Senior Vice President, Chief Information Officer

    Damian Bridges, the Senior Vice President, Chief Information Officer at AAA Life Insurance, directs the company's technology strategy and infrastructure. Bridges oversees the development and implementation of IT systems supporting insurance and annuity operations, ensuring data security and system reliability. This executive leads digital transformation efforts, enhancing technological capabilities to meet evolving business needs. The Senior Vice President, Chief Information Officer manages all aspects of information technology, including cybersecurity, network operations, and software development. Damian Bridges ensures that technology investments drive operational efficiency and support strategic growth objectives. Bridges champions innovation in technology to maintain a competitive edge in the financial services sector.
    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, leads all human capital management strategies. Joyner is responsible for talent acquisition, employee development, compensation, and benefits programs designed to support the company's workforce. This executive cultivates a positive and productive organizational culture, aligning HR policies with business objectives. The Executive Vice President & Chief Human Resources Officer ensures compliance with labor laws and promotes diversity and inclusion initiatives. Christin Joyner's leadership is vital in attracting and retaining top talent necessary for the company's success in the insurance industry. Joyner oversees the employee experience, fostering engagement and professional growth.

    Betty Schick - Senior Vice President and Chief Marketing Officer

    Betty Schick, the Senior Vice President and Chief Marketing Officer at AAA Life Insurance, drives strategic marketing initiatives and brand management. Schick focuses on expanding market presence and enhancing customer engagement for insurance and annuity offerings. This executive oversees market analysis, campaign development, and the execution of promotional strategies. The Senior Vice President and Chief Marketing Officer ensures brand consistency and strengthens AAA Life Insurance's market position. Betty Schick leads efforts to identify new customer segments and develop targeted marketing approaches. Schick's leadership contributes significantly to revenue growth and customer acquisition goals.
    Betty Schick
    Narda Zuniga, the Executive Vice President & Chief Legal Officer at AAA Life Insurance, oversees all legal affairs and regulatory compliance. Zuniga provides expert legal counsel on corporate governance, contracts, and litigation matters impacting the insurance and annuity business. This executive ensures the company operates within all applicable laws and industry regulations. The Executive Vice President & Chief Legal Officer manages the legal department and advises the executive team on risk mitigation strategies. Narda Zuniga's expertise is crucial for protecting the company's interests and maintaining its legal integrity. Zuniga plays a key role in shaping policies that ensure ethical and compliant business operations.
    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 Michellee Garcia (Chief Executive Officer), along with executives such as Kevin Heil (Senior Vice President, Chief Financial Officer and Treasurer) and Michael Vellat (Chief Operating Officer).
    Who is part of AAA Life Insurance’s executive team?
    The executive team of AAA Life Insurance includes leaders such as Michellee Garcia (Chief Executive Officer), Kevin Heil (Senior Vice President, Chief Financial Officer and Treasurer), Michael Vellat (Chief Operating Officer) 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 Chief Executive Officer, Senior Vice President, Chief Financial Officer and Treasurer, Chief Operating Officer, President & Board of Directors, Chief Marketing Officer.