"We have had the pleasure of knowing and doing business with Tom Frame for over twenty years. During that time, he has helped us secure Homeowner's insurance, Earthquake insurance, and Auto insurance. As each of our children became of driving age, Tom found us the best policies for our expanding car coverage. He was able to offer us good student, multi- car, and good driving record discounts. He even told us we could get a 15% discount because a few of us have a degree in Biology!"

"Tom has always been friendly, professional, knowledgeable and patient. He personally calls us annually to review our assets and lifestyle changes. He gets back to us with answers to question we may have. He takes the time to ask about our lives, especially those of our children. Coincidentally, the lives of his family and ours have paralleled each other over the years. Soccer, graduations, children's marriages and the births of grandchildren have filled our conversations."

"The most poignant example of the kind of person Tom is came after the earthquake in 1994. Our house was nearly destroyed and we were devastated, to say the least. Even though Tom and his family were facing a similar catastrophe, he made himself available to comfort us and give us the confidence we needed to know that everything was going to be okay. We will never forget his compassion and support."

"In this day and age of computerized service, we are grateful to have Tom as our agent and our friend. We have referred several of our family members and friends to him. They have been completely satisfied with his service too. Not only is he stellar in his field, he is one of the nicest people we know. Everyone should so lucky to have Tom on their side!"