Chief Executive Officer and President
Chief Revenue Officer
Vice President, Strategic Marketing Alliances
Senior Vice President, Growth Strategy & Performance Marketing
Vice President of Sales
SENIOR DIRECTOR, OPERATIONS
Chief Executive Officer and President
Chief Revenue Officer
Vice President, Strategic Marketing Alliances
Senior Vice President, Growth Strategy & Performance Marketing
Vice President of Sales
SENIOR DIRECTOR, OPERATIONS
Melissa Balsan
Chief Executive Officer and President
Melissa understands that navigating life insurance options can feel overwhelming and is dedicated to making it easier, faster, and more affordable for everyday Americans to get coverage and peace of mind. She and her team embrace transparency – guiding and educating clients so they feel confident making coverage decisions best suited for their needs.
“I’m passionate about understanding our consumers’ needs and addressing the challenges they may face in finding life insurance coverage. Each of our valued customers deserves to feel protected, so ensuring they feel confident and financially secure is my top priority.”
Marty Schroeder
Chief Revenue Officer
By staying on top of industry trends and new product developments, Marty ensures our agent development and training programs are comprehensive and impactful. His unique blend of technical, communication, and interpersonal skills allows him to enhance the abilities of those around him.
“I believe in investing in every agent. I want them to have the opportunity to create a meaningful, successful career here. Making our agents more successful ultimately means we’re protecting more families.”
Chris Rzany
Vice President, Strategic Marketing Alliances
Chris believes our industry is a force for good in society and is passionate about educating others about the value of life insurance. As the leader of the Strategic Marketing Alliances team, he leverages his experience in product development, strategy, and operations to build mutually beneficial B2B2C partnerships.
“I believe that a strong fit between a partner’s needs and our assets and capabilities is the foundation of any successful strategic marketing alliance. There is no substitute for putting oneself in your partner’s shoes, and understanding their goals, aspirations, challenges, and pain-points. Our team understands the trust partners place in us, and works tirelessly and with vigor to honor that trust.”
Patrick Manser
Pat focuses on finding innovative ways to connect with consumers, educating them on the importance of life insurance and dispelling the misconception that getting coverage is a long, complicated process. He takes pride in creating seamless pathways for consumers to engage with eFinancial, ensuring they have the tools and information needed to make the best choices for their families.
“I’m invigorated by eFinancial’s commitment to connecting middle-market Americans with life insurance options that protect their families. Meeting consumers where they are — whether online, over the phone, or through a seamless digital experience — is critical to removing barriers to coverage. Streamlining the process ensures more families get the protection they need, and eFinancial is leading the charge to make that happen.”
Michael Bowcock
Michael joined eFinancial in 2010 and brings more than two decades of leadership experience in life insurance distribution, call center operations, and performance management. As Vice President of Sales, Michael oversees eFinancial’s national sales team, working closely with agents, managers, directors, and support teams to drive growth, optimize client experience, and ensure strong alignment with carrier partners. Michael’s leadership philosophy centers on clarity, accountability, and continuous improvement. His hands-on approach and deep industry knowledge create a culture where teams are motivated to exceed expectations and deliver meaningful protection to everyday families.
“What motivates me is helping agents do their best work—whether that’s hitting a goal, protecting more families, or growing into the next stage of their career. When we lead with transparency and support, good things follow—for our teams, our customers, and the business.”
Maryann Crossan
Maryann joined eFinancial in 2010 and currently leads critical operational teams dedicated to driving growth, improving efficiency, and strengthening client retention. In her role as Senior Director of Operations, she oversees both the sales support and client retention functions, ensuring agents and policyholders receive exceptional service at every stage. With over 15 years of experience in operations and team leadership, Maryann is known for building high-performing teams, simplifying complex workflows, and helping people thrive in fast-paced environments. Her leadership is a key driver behind eFinancial’s ability to deliver a seamless, supportive experience for both clients and agents.
“The most rewarding part of my role is helping teams solve problems that truly matter. I’m focused on supporting our agents, retaining more clients, growing our people, and making sure everyone we serve feels valued and taken care of.”
