Meet the Team

“We’ve all worked for the high pressure call centers, where the emphasis was on sales quotas and the bottom line. That’s why we founded JRC, your friend in the insurance industry. At JRC, you are our #1 priority.”

Testimonials about JRC Why JRC?

Ramon Summerour
Ramon is Managing Partner and Co-Founder of JRC. He is a licensed life insurance agent in 48 states, having joined the industry in 2002 where he’s earned many “outstanding agent” awards. Ramon’s medical background and work in counseling have served him well in the industry. He’s not only very knowledgeable, but also caring. He specializes in underwriting diabetes, cardiac and cancer considerations, as well as policies needed to fund trusts.  Ramon enjoys golfing, reading and spending time with friends & family. Ramon has a wife (LaShawn) and daughter (Taylor) who he enjoys cheering on at her volleyball, softball and soccer games. Connect with Ramon on LinkedIn.




Jason Dana
Jason is co-founder and managing partner of JRC. He has helped thousands of clients secure life insurance since 2008. His specialties include finding people considered “high risk” affordable insurance premiums to project their families, key man and buy/sell business policies. He is married to his lovely wife, Christin. They have two boys Asher, Banyan and a daughter, Caia. Jason is passionate about family, surfing and traveling the world. Connect with Jason on LinkedIn

Cliff Pendell
Cliff is a Managing Partner and Co-Founder of JRC Insurance Group. He is a licensed life insurance agent in 48 states and specializes in helping our high-risk clients who have been previously declined for coverage or have health issues such as diabetes or depression. Cliff enjoys cooking, hiking, the outdoors, and spending time with friends and family. Cliff has a wife of 9 years; Jennifer, a son named Liam, and a Dachshund appropriately named Weenie. Connect with Cliff on LinkedIn




Justin Nelson
Justin is one of JRC’s Managing Partners and co-founders, as well as one of their licensed life agents. He joined the insurance industry shortly after graduating from San Diego State University in 2004.  He specializes in “High Risk” underwriting and helping his clients find the best value and most affordable pricing.  To date, he has helped thousands of clients and is always looking to help the next. When he’s not working, he enjoys playing and watching sports, cooking, golfing, and spending time with family and friends. He is married to his true love, Kellie, and they have three beautiful daughters, Reese, Ryann, and Reagan. Connect with Justin on LinkedIn

Randy McClintick
Randy is JRC’s Chairman and Co-Founder. He joined the life insurance industry in 2008, previously being part of two start-up ventures in the travel industry. Randy enjoys travel, music, cooking for friends and sports…especially San Diego State basketball. (Go Aztecs!) He’s been married to his wife Jane for over 25 years and is very proud of daughters Serena and Alyssa, who recently graduated from the University of Colorado and University of Oregon, respectively. Connect with Randy on LinkedIn




Chris Huntley
Chris is Co-Founder of JRC Insurance Group. He has been a licensed life insurance agent since 2004 and once owned his own agency, Huntley Wealth Insurance. He enjoys reading, spending time with his family, playing ping pong and poker, and is a die-hard Chargers and Padres fan. Chris lives in San Diego with his wife, Brenda, and their three beautiful daughters, Maysie, Alyce, and Julianna. Connect with Chris on LinkedIn


Louis Lopes CLU ChFC
Louis has been in the insurance business for over 30 years. He specializes in “high risk” cases as well as more complex coverages for long term care, disability, and estate planning. With a background in economics and education, Louis tries to communicate his knowledge in a way that is straightforward and clear. Louis enjoys music, cooking, exercising, and watching baseball and basketball. Raising his son Ryan, of whom he is very proud, gives him the most joy. Connect with Louis on LinkedIn