Joe Collins, CLTC I joined New York Life in 2010 after 20 years as an Independent Agent. I wanted the opportunity to work with a firm that provided my current and potential clients the various products and support that I value from an A++ company.* I have been a proud member of Santa Cruz County community for the past 36 years and am a happily married parent of four children. I have a vested interest in seeing my friends and neighbors achieve their financial goals. I have many of the same hopes and objectives as my clients, and I am happy to share with you all of the resources and information which New York Life has to offer. My qualifications- I am a Licensed Agent with New York Life and have 25 years of industry experience in Life, Health, Annuity, Retirement Planning and Long Term Care Insurance. I hold a CLTC designation with 20 years experience in the Long Term Care Industry. A Bachelors Science in Education from S.U.N.Y Cortland. My goal is to provide professional services and solutions for my clients and their families. *New York Life has received the highest financial strength ratings currently awarded to any U.S. life insurer by Standard & Poor’s (AA+); A.M. Best (A++); Moody’s (Aaa); and Fitch (AAA). Source: Individual Third Party Ratings Reports as of 10/15/20.