About Us
Hector Villareal- Owner
I have worked in the insurance industry for 47 years. I started my career with BCBS of TX and was a top producer for over 15 years before starting ABC, Inc. I hold a Bachelor’s Degree in Applied Arts & Science from Southwest Texas State University.
Professional:
- Past President of the San Antonio Association of Health Underwriters 1994-1995
- Served on the Texas Association of Health Underwriters Board in Budget and Finance
- Received the SAAHU Lifetime Achievement Award in 2005
- Served on the Legislative Committee for School District Affairs
- Certified Benefits Consultant
- Certified Small Group Consultant
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:
- 15 years of sales and service experience with Blue Cross Blue Shield
- Operated Cisneros Benefit Group with Ex-Mayor Henry Cisneros
- In 1991, I founded Associated Benefit Consultants, Inc. working in the Major Medical offering employee benefit programs
Caroline Hesseltine- CFO
I have been married for 54 years and have two sons, one daughter and two granddaughters and three step great grandchildren.
Professional:
- HIAA (Health Insurance Association of America) Charter member
- Certified Small Group Consultant
- Certified Benefits Consultant
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:
- Over 36 years of working in the insurance industry
- Cisneros Benefit Group
- In 1991, helped form ABC/Associated Benefit Consultants, Inc
- 1998 helped charter the San Antonio Association of Health Underwriters
- 1990-1991 President of San Antonio Association of Health Underwriters
- 1995-1996 President of the Texas Association of Health Underwriters
- 1991 – 1993 TAHU Merit Award
- 1997 SAAHU Lifetime Achievement Award
- 1991 Distinguished Service Award
- 2003 TAHU Hollis Robertson Award
Scott Villareal- Senior Sales Consultant
I have worked in the insurance industry for the past 20 years starting my career at USAA. I have received both my Bachelor and Master degree in Business Administration, Dual Concentration: Management and Finance from The University of the Incarnate Word. I am currently a member of SAAHU.
I am currently in charge of small to mid-market sales.
Professional:
- Certified Small Group Consultant
- Certified Benefits Consultant
- Licenced Property & Casualty Agent
Background:
- 15 years offering benefit consulting to companies looking to add core benefits
- Enrolling employees in supplemental programs
- Servicing groups after the sale as well as handling claims
- USAA
- MetLife
- Travelers
James J. Villareal-CEO
I began my career in the Insurance Industry 25 years ago working for Humana. I have a diverse background in the healthcare industry. I have been married for 27 years and have two children. I joined ABC/Associated Benefit Consultants, Inc. 20 years ago.
Background:
- Caremark RX
- Humana