We are a family-owned general agency dedicated to providing everything to help our clients to make the right decisions and for our network of brokers to make the sale.

For forty years, our agency has worked with dozens of the top carriers in the disability and long-term care industry. That means you will always be able to access the best options for your clients' income security needs.

Our family atmosphere extends out to our broker force too. Many of our agent partners have grown to become integral members of the family at DI+LTC, and we invite you to join us.


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Jack Schmitz, CLU, ChFC, CASL


Jack has been a brokerage general agent with DI+LTC (formerly known at Bay Area Disability) for over 30 years. His expertise in Long-Term Care developed the same time Congress was beginning to address this need in the early 1990s. He received his CLU, ChFC, and CASL from the American College, was the 2015 recipient of the International DI Society W. Harold Petersen Lifetime Achievement Award, has led several local financial associations, and is a past president of The Plus Group, America's premier DI marketing organization.

Jack’s extracurricular activities include hiking, paddle boarding, and spending time with family.

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Maxwell Schmitz, MSFS

VP of Marketing & Sales

Max started at DI+LTC in 2009. He has become a marketing and contract expert after familiarizing himself on the back-end of the DI sales process in his first few years. Max is the co-author of “The Questions and Answers on Disability Insurance Workbook” and has been a frequent speaker at several association events across the Bay Area. He earned his Master’s degree in Financial Services through the American College.


In his spare time, he enjoys the great outdoors with his family, reads up on American history, and schemes about future industry trends.

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Patrick Lim

Product & Case Manager

Patrick joined DI+LTC Insurance Services in 2012 serving as Product Manager in support of agents, brokers, and advisors. He consistently provides for them proposals, forms, and marketing materials, and develops additional ideas and concepts to help advisors understand DI and LTC products. 

Patrick received a B.A. degree in International Studies from U.C. San Diego, runs marathons, and geeks out about the latest cooking gadgets and culinary experiences.

Laura LaLonde

Customer Relations & LTC Communications

Laura rejoined DI+LTC part-time in 2014, serving a new role as our Customer Experience Admin. She helps incoming callers find the right resource for their case inquiries and is our primary long-term care case contact. Laura also supports our effort to digitize all our case file documentation for past and present cases.


Laura holds a BFA from the University of SF Academy of Art, has been a long-time contributor to the Giant Steps Therapeutic Equestrian Center in Petaluma, and is always a ray of light to those around her.

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Emma Schmitz

Marketing Director

Emma joined DI+LTC in 2015 to contribute her design, digital marketing, and writing skills to the team. After earning her BA in Literature: Creative Writing from U.C. Santa Cruz in 2013, she promptly moved to the mountains. Working from home in Truckee, CA, Emma is an outdoor enthusiast who also enjoys crafting, nerding out about beer, and caring for her two crazy mutts.

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4302 Redwood Hwy, Suite 400
San Rafael, CA 94903
Bay Area Disability
Insurance Services, Inc.
CA License #0647178