life insurance agency in San Francisco

Meet our agents and a look at their accomplishments in the life insurance industry.

Rob Smith: President & CEO

rob-smithAs President and CEO, Rob leads by example in his caring for and serving of clients as well the NorCal State Life Insurance Agency team. His diligent efforts in ensuring that all clients are helped in identifying and mitigating risk exposure while at the same time afforded access to a full range of options is the cornerstone of NorCal customer satisfaction and success.

Rob is active in supporting the community as a board member of several local non-profit agencies including the Housing Alliance, Cancer Society, and Fresh Start. He has been a sitting member of the ethics committee for the Insurance Industry Association for 10 years and is on the Association for Insurance Professionals steering committee. Rob has been a long term advocate for the advancement of risk management and insurance educational programs that teach students how to balance risk, insurance, and expenses.

Rob's reputation in the industry has led to him being repeatedly called upon as an advisor by courts, trustees, and attorney's to assist in risk management and analysis strategies for those under going restructuring or formulating long term plans.

Catherine Dalton: Vice President of Commercial Lines

cathernine-dalton-vpCatherine started her career 20 years ago as a Field Risk Analyst meeting with commercial clients and helping them reduce risk exposure. Her success in this field led to positions on numerous advisory councils for Commercial exposure with the American Risk Council, numerous Governmental Regulatory Agencies, and the Investment Advisors Roundtable where she was fundamental in developing methodologies used by investors to reduce risks, premiums, and increase profitability.

Catherine has had the benefit of specific exposure in a variety of industries and regulatory agencies across all economic sectors. This experience has proven valuable to commercial clients as they have someone who understands their business on call and available to meet their needs.

Catherine has been married for over 15 years and enjoys time with her two children as active members of the local community.

Cecil Massey – Vice President of Personal Lines

insurance-agent-cecilCecil has over 10 years experience in Personal Insurance. A UCLA graduate with a degree in Business Economics Cecil is dedicated to finding the right coverage fit for each client.

Cecil has three children and has been married for 8 years. He is active at his children's school and supports the Arts through his position on the Community Performing Arts advisory board. Cecil's love for the Arts was formed in his childhood as he spent time with his Mother who was a long time performer in his childhood home in Oregon.

Clients instantly feel comfortable with Cecil as he has a unique history with a small town upbringing and urban Los Angles education.

Russ Neary:  VP of Business Development & Communications

russ-term-life-specialistRuss is the communications and marketing leading for NorCal insurance. Having grown up with parents who were both in the Insurance industry, Russ thoroughly knows the business and is driven by the philosophy that if you protect and serve the customer, business will always be good.

Russ is very active in both the Chamber of Commerce and the Association of Insurance Marketing. He has also been instrumental in the success of numerous local events for philanthropic organizations. Recently Russ was asked to contribute to a Blue Ribbon panel on balancing insurance and risk issues within local community development. Russ is always available to serve or help organize with community based organizations such as the Race For The Cure, Cancer Society, or Community Blood Bank. 

Russ lives locally with his wife and two children. They are all active in supporting their community and church.


Lois Dawkins: Life & Credit Director

lois-life-insurance-specialistLois has been with NorCal for nearly two decades and before that spent 15 years working in Credit and Insurance departments. This combined experience has given Lois a perspective as both an insurer and a provider and therefore gives clients insights in optimizing plans and coverage's.

Lois is an advisor for the Council on Business Insurance and a Director for the Community Credit  Alliance. She also is an active member of the Chamber of Commerce and a consultant with several Credit Planning organizations.

Lois, her Husband and children enjoy their life in the City actively participating in cultural and entertainment events.

Candice Massey: Personal Risk Control Specialist

candice-local-insurance-agentCandice has been in the personal insurance business for over 15 years and prior to that worked in the personal insurance department for a community bank. Candice has a deep concern for protecting her customers risk exposure which is evidenced by her countless long term clients. Those that meet with Candice know that she puts their interests first and she always takes the extra time necessary to find the best strategy available for each one.

Candice is dedicated to family and has a love for sporting events. She is a great asset to the team and her clients know she will be there for them in any emergency.

Albert Henshaw  Territory Manager

albert-office-managementAlbert has been in the commercial insurance industry for over 40 years over which time he has developed the experience and insight needed to work with employers of all size and advocating on their behalf with insurers to obtain the best coverage for themselves, their companies, and their employees.

Albert once served in the United States Army and on discharge began his career in insurance. He was soon working directly with commercial clients of all sizes in risk analyses and identification. From there he expanded to a leadership role in negotiating and developing coverage plans catered to the advantage of his clients. Albert brings decades of relationship contacts and evaluative experience to Norcal clients, giving them an advantage that is impossible to duplicate.

Albert is active in the Insurance Industry Association and the Commercial Risk management Association. He spends his off time as a member of fraternal organizations, his church and in supporting and developing his three children and seven grandchildren.

Cathy Cadell  Commercial Risk Control Specialist

cathy-risk-managementCathy began her career in insurance with 10 years in insurer Commercial Risk departments, former employers who still call on her regularly for consulting.

Cathy is a long time advocate for the balancing of regulatory oversight with the needs for flexibility within each business sector. Her advocacy and reputation in commercial risk have led to her repeatedly being called upon as an expert in the field.

Cathy and her husband have one child and live in the City. They are all active in the local schools as well as in educational improvement initiatives throughout the state.