With our headquarters in a small town, MultiState feels comfortable and relaxed in all the ways that matter. But we haven’t stayed successful without a healthy degree of sophistication. It’s that unique combination that’s helped us thrive — and will do the same for you.
You don’t last over 45 years in insurance without being good at what you do. We’re a family-owned business, but each member of our leadership paid their dues as agents just like you. That means when you partner with us, you’re tapping into the expertise of people who’ve been in the trenches and far beyond. It also means access to the best products and tools, lead systems, customized training, consulting and back-office support out there.
Training, consulting & personalized support
No two agents have the same needs. That’s why we personalize our training, consulting and support based on where you are in the business and what you need to get ahead.
Exclusive products
Thanks to our partnership with Integrity Marketing Group, our agents have access to exclusive products from the top carriers.
Marketing and sales
MultiState provides turnkey marketing and sales resources to our agents free of charge, helping you drive business year-round.
Top lead system access
Leads are the lifeblood of any agent’s business. It’s why MultiState offers access to a top lead co-op and the resources to help you connect with more clients.
Meet our family
Karen Fredricks
Chief Executive Officer
Karen continues the family legacy started by her father more than 45 years ago. She began her career...
Karen Fredricks
Chief Executive Officer
Karen continues the family legacy started by her father more than 45 years ago. She began her career at the age of 20, working in West Michigan as an independent agent. After much success, she then transitioned into the office staff as director of marketing. Through her hard work, dedication and passion for helping others, Karen earned her role in the company and is now the CEO. She also sits as a partner among the Integrity Marketing Group platform, making MultiState a part of the powerhouse in the insurance industry.
Sandi Fredricks
Vice President of Operations
Following her graduation from Lake Forest College, Sandi began to follow in her mother’s footsteps...
Sandi Fredricks
Vice President of Operations
Following her graduation from Lake Forest College, Sandi began to follow in her mother’s footsteps in September of 2015. She inherited Karen’s passionate, caring spirit and desire to help others. She wears many hats at the MultiState office, currently managing the recruiting of new agents, the captive life shop program and the compliance department. She also still holds her life and health insurance license, constantly spreading her knowledge of Medicare everywhere she goes. Her goal is to provide seniors with confidential insurance advice and customized solutions.
Barbara Kelch
Director of Financial Operations
Barb has been managing the financial department at MultiState for almost 13 years. She has been by K...
Barbara Kelch
Director of Financial Operations
Barb has been managing the financial department at MultiState for almost 13 years. She has been by Karen’s side through many ups and downs of the business, always working with precision and efficiency. She is our office go-to for any financial advice and is truly passionate for the success of our agency and is always up for a challenge.
Tiffany Fredricks
Recruiter
After many years in the hospitality industry Tiffany decided to try a career in business with her mo...
Tiffany Fredricks
Recruiter
After many years in the hospitality industry Tiffany decided to try a career in business with her mother-in-law; it certainly has paid off. Tiffany has rapidly climbed the ladder here at MultiState and has taken in multiple roles we have in the office. She works in tandem with Sandi to create new and professional marketing opportunities for MultiState. She is our key contact between our agents and the carriers we work with.
Sommer Ryan
Agent Services Representative
Sommer joined the team following many years of experience in customer service and hospitality. On to...
Sommer Ryan
Agent Services Representative
Sommer joined the team following many years of experience in customer service and hospitality. On top of her solid contributions around the office, she is tackling the wild business world every day. The agents constantly praise her for her efficiency and hard work. She enjoys a good challenge and looks forward to the journey with our business.
Joseph M. Ellis
Sales Manager
Joe was a top agent at Multi State for 7 years. Prior to this, over a 25 year period, he owned an in...
Joseph M. Ellis
Sales Manager
Joe was a top agent at Multi State for 7 years. Prior to this, over a 25 year period, he owned an investment company, a mortgage company and a real estate company. He attended the University of Michigan and Western Michigan University where he completed his Master’s Degree (MBA) with honors. He is married with three children and three grandchildren. He likes golf, boating, water skiing and racquetball.
