About Us


Hector Villareal- Owner

I have worked in the insurance industry for 32 years.  I have been married for 42 years and have two sons, one granddaughter, and one grandson. I have a Bachelor’s Degree in Applied Arts & Science from Southwest Texas State University.

Professional:
  • Past President of the San Antonio Association of Health Underwriters
  • Served on the Texas Association of Health Underwriters Board in Budget and Finance
  • Served on the Legislative Committee for School District Affairs.  
I actively lobby in the Legislative arena both on a State and National level on issues that concern the Insurance Industry.

I was one of the original agents chosen to represent the Texas Healthy Kids program (CHIPS) when it was first introduced and traveled to the outlying areas explaining this important program to parents and organizations.

Background:
  • 14 years of sales and service experience with Blue Cross Blue Shield.  
  • Cisneros Benefit Group with Ex-Mayor Henry Cisneros 
  • Formed my own company ABC/Associated Benefit Consultants, Inc. working in the Major Medical arena along with Life, Dental etc. and specializing in employee benefit programs

I currently hold the designation of Chartered Benefit Consultant.





Caroline Hesseltine- CFO

I have been married for 44 years and have two sons, one daughter and two granddaughters.             

Professional:  
  • HIAA (Health Insurance Association of America) Charter member
  • Past President of the San Antonio Association of Health Underwriters
  • Past President of the Texas Association of Health Underwriters
  • Received Distinguished Service Award from the National Association of Health Underwriters
  • Lifetime Achievement Award from the San Antonio Association of Health Underwriters
  • Hollis Robertson Award from the Texas Association of Health Underwriters
  • The Deer Oaks Office Park Owners Association President for 4 years

I am active in the Legislative arena lobbying both on a State and National level on issues related to the Insurance Industry.

I was one of the original agents chosen to represent the Texas Healthy Kids (CHIPS) program, educating parents, schools and other organizations about this plan to insure Texas children.

Background:
  • 8 years of sales and service experience with Anthem Insurance Company
  • Cisneros Benefit Group 
  • Helped form ABC/Associated Benefit Consultants, Inc. 





Scott Villareal- Senior Sales Consultant

I have worked in the insurance industry for the past 6 years and  have been married for 5 years. I have a baby on the way due in October. I am attending the University of The Incarnate Word in San Antonio, Texas and working towards a Bachelor's of Business Administration, Dual Concentration: Management and Finance. My expected graduation date is December 2010.

I am currently in charge of small group and individual sales. 

Background:
  • Benefit consultant to companies by offering supplemental insurance products along with core benefits 
  • Enrolling employees in supplemental programs
  • Servicing groups after the sale as well as handling claims
  • USAA
  • MetLife
  • Travelers




James J. Villareal- Senior Account Manager

 

James began his career in the Insurance Industry 12 years ago working for Humana.  He has been married for 16 years and has two children. He joined ABC/Associated Benefit Consultants, Inc. 10 years ago. 

Background:
  • Worked in Humana Claims, Customer Service, and Account Management departments
  • Worked for Caremark in the Claims Department.

I currently hold the designation of Senior Account Manager, and work in customer service and sales support.