The people who make it happen

Joy Olivier

AGENCY OWNER

With nearly 17 years of award winning customer service, Joy is known for her ability to advocate for her clients rights with Covered CA and the many carriers she is appointed with. She started her career in the social services arena serving those in need for residential & behavioral treatment and with non-public schools. She understands the importance of having the proper medical coverage in place for all expected and unexpected needs her clients may face. She comes from a family that have focused their careers in the insurance industry and married a claims adjuster. She feels that with all the different areas of insurance her family is in, she is uniquely able to support her clients wants and needs. Joy is married and owns a small ranch where she tends to her pets and livestock. She currently lives in CA and is licensed in multiple states across the US.

Our mission is to educate, advocate and assist with enrolling.

Joy Oliver
Theresa Montoya

Theresa Montoya

ACCOUNT MANAGER

Theresa has been with Joy Olivier Insurance Agency for five years serving as Account Manager. Her passion is to find proper coverage for individuals and families. Making Small Businesses understand compliance and structure for their personalized group policy. Theresa has been married for 25 years. They have three boys that keep them busy. On weekends you can find Theresa hiking, visiting nurseries and potting her plants. And always up for travel!

Michelle Chiulli

ACCOUNT MANAGER

Michelle comes to Joy Olivier Insurance as an Account Manager with a background in Medical Collections. She is licensed in health & life insurance. Michelle is certified for Medicare, Covered California, or direct carrier individual/ family plans. Michelle also helps with our Employer Sponsored group plans, she can also help with international travel health insurance. Michelle has been married for 17 years, a mom of two Kids 12 & 10, and on the weekends can be found camping or with her family exploring new places.

Michelle Chiulli
Florence Bamidele

Florence Bamidele

Independent Health & Life Producer

Florence comes to Joy Olivier Insurance Agency, Inc as a Independant Producer with a background in Accounts, Insurance and Finance. She is licensed in health & life insurance and securities 6 and 63. She had served the community for over 7 years helping individuals and small business with life protection and retirement strategy. Florence has been married for 23 years. They have four boys aged 27,20,18 and 15. On weekends Florence served her local church volunteering in the choir, children and prayer ministry.

Kim Picou

Independent Health & Life Producer

Kim Picou joins Joy Olivier Insurance Agency Inc with over 20 years of experience in customer service. She takes great pleasure in helping clients with their navigating the health care system and assisting in our clients with their healthcare needs. Kim is a dedicated mother of two wonderful children who are the loves of her life. On weekends, she enjoys swimming, dancing, reading, attending concerts, and watching movies.

Kim Picou

Put a little Joy in your insurance experience.

Joy Olivier Insurance Agency Inc. has been helping Californians find the right health insurance. We love what we do and it shows. Come see why California is switching to Joy.

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Joy Olivier Insurance Agency Inc.
California Lic. #0I43589 | Alabama Lic. #3002573107 | Alaska Lic. #302937455 | Arkansas Lic. # 8694407 | Idaho Lic. #3002324293 | Texas Lic. #2834855

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