Commercial Lines Department

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		JOHN S. CARTER: John is the Commercial Lines Manager of the agency.  He graduated from Southwest Texas State University with a B.A. in Business Administration and a Specialization in Insurance Real Estate in 1973. He obtained his licenses before graduation from college. Upon graduation he went to work for Carter and Company and First Federal Savings and Loan Association working for both entities at the same time. Several years later he went full time with the insurance agency. John is also a Realtor. He was married in 1985 and has two daughters. Contact: john@cartercompany.com
		MILDRED "MILLIE" BELL, ACSR: Millie has been with our agency since September 1982. She currently works in the Commercial Lines Department and has acquired her Insurance Solicitors License and the Accredited Customer Service Representative designation in commercial insurance. Millie has two sons and a daughter. Millie previously worked for The Travelers in Pennsylvania and Tucson Realty and Trust and then Fred S. James in Tucson, Arizona. She started in the insurance business in 1959.   Millie has one granddaughter and one grandson. Contact: millie@cartercompany.com
		ESTHER GRAHAM, ACSR Esther previously worked for Texas Windstorm Insurance Association for 8 years in the claims department before leaving after the birth of her second child in 1999.  She came to Carter and Company in October of 2003.  She is a commercial lines CSR with her Property & Casualty Solicitors License.  Esther achieved her ACSR designation in 2004.  She is married with two children. Contact: esther@cartercompany.com
		SHIRLEY JOHNSON: Shirley joined Carter & Company in September, 2008. Her career in the insurance industry began in 1959. Her nearly half century of service includes experience in personal property and commercial lines as both, a customer service underwriter and as a member of management in agencies as well as companies. For over twelve years she was Vice President and Director of the County Mutual Division of Northwestern National Insurance Company's regional office in Austin, Texas. Shirley is married, has one granddaughter and currently works in the Commercial Lines Department. Contact: shirley@cartercompany.com

Personal Lines Department

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		CARL E. CARTER: Carl is the Personal Lines Manager of the agency. He graduated from Texas A & M in 1977. Upon graduation he joined the family business and obtained his recording agents license and life insurance license. He has attended many training classes and workshops including a comprehensive 5 week training program in Hartford, Connecticut. Contact: carl@cartercompany.com
		ANNA E. PECK, ACSR: Anna has worked as a CSR in the Personal Lines Department off and on since July 1984 and currently has an Insurance Solicitors License. Prior to coming to work with us, she worked for 5 years in a credit union, where she was a teller and account clerk. Anna and her husband have two sons. Contact: anna@cartercompany.com
		DONNA K. MARTIN, ACSR: Donna has worked in Personal Lines since July 1995. Before that she served as our receptionist. She has been with the agency since April 1995. She has received the ACSR designation in Personal Lines and has obtained her Solicitor's License.  Donna is married and has one son. Contact: donna@cartercompany.com
		ELIZABETH VALDEZ, ACSR: Liz graduated from Luling High School in May of 1993.  She attended ITT Tech and graduated with an associate's degree in June 1995.  Liz worked in retail for more than 7 years.  She came to work for Carter & Company after the birth of her second child.  Liz achieved her Accredited Customer Service Representative certificate in 2005 and obtained her Solicitor's License in April of 2006.  She is married and has 3 children. Contact: liz@cartercompany.com

Life/Health/Financial Services

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RICHARD A. CARTER: Rick specializes in life, health and group medical insurance lines.  Rick graduated from Texas A & M in 1974 with a degree in Business Administration with a specialization in finance. Upon graduation he entered the U.S. Army and served in Germany for 3 years. After leaving active duty in 1978, he joined Carter and Company. He later resigned from the Army Reserve with the rank of Captain. Rick is active in his church and has been active in many political and civic organizations. He is married and has five children and two granddaughters. Contact: rick@cartercompany.com

 
Agency Support Staff

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BERNADETTE MOORE: Bernadette has worked for our agency since May, 1977 as bookkeeper. Prior to this, she was employed in the bookkeeping dept. for an Austin insurance agency. Bernadette and her husband have two daughters, two granddaughters, and one grandson. Contact: bernadette@cartercompany.com

Carter & Company, L.L.P.
"Across from the Post Office"
P.O. Box 672
Luling, TX 78648
Ph: (830)875-3164
1-800-967-0972
Fax: (830)875-9362
Monday - Friday 8:00 am - 5:00 pm

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