About Us

David Ernstam Financial and Insurance Services, Inc.is a full service insurance Agency serving the protection needs of individuals and families across California since 1983. We help our clients take control of their medical and life insurance spending by finding the best plan for them and their dependents. Our commitment is to provide quality and affordable life and healthcare insurance to our clients.  We strive to give them the right information, resources, and access to the products of the industry’s largest insurance providers, to help them make the best choices for themselves and their loved ones. In keeping with our commitment, we also provide superior customer service to ensure that their purchase as well as their claims processing are handled smoothly and efficiently.


DavidDavid Ernstam, RHU, Business Owner, licensed Insurance Agent Since 1983. He started his career as an agent for Mutual of Omaha. In 1984 he then joined Arnoldy & Eubanks. By 1987 he joined as a partner forming Arnoldy, Eubanks & Ernstam Insurance Services. In December of 1995 David Ernstam Financial & Insurance Services started, after the retirement of previous partners. David is a Registered Health Underwriter (RHU) and Patient Protection and Affordable Care Act (PPACA) certified. David has over 30 years of experience of working with businesses and individuals specializing in Comprehensive Employee Benefit Programs; including but not limited to design and implementation of medical, dental, vision, life, employee assistance programs & divisibility benefits.

He currently serves as a board member of North Valley Calvary Chapel & Priorities Inc. David married his wife Gail over 27 years ago. Together they have two daughters, one which works here at DEFIS along with three grandchildren.

GinaGina Mar, RHU, REBC, licensed Insurance Agent since 1991.  Gina has worked at David Ernstam Financial & Insurance Services, Inc. since May of 1992.  She is a Registered Health Underwriter (RHU) and Registered Employee Benefit Consultant (REBC).  She specializes in servicing the group employee benefit products, as well as the individual market.  Her areas of responsibility include sales, customer service, account implementation, enrollment and administration, educating clients on how to utilize their benefits, assisting clients when questions or issues arise.  Gina has a talent for helping people make educated choices when buying insurance and simplifying the process as much as possible.

Gina was raised in the Chico area and moved to the Yuba Sutter Area in 1989.  Where she met and married her husband, Tim Mar, over 20 years ago. Together they have 3 daughters and attend North Valley Calvary Chapel.  Most of her free time is spent with her family and volunteering with her children’s activities.  She loves to bake and is an avid volleyball fan.  She is the current serving as the Treasurer of the Sutter High School Booster Club, as well as the Auction Committee at Faith Christian Schools.

lisaLisa Gibson-Torres, licensed Insurance Agent since 2002. Lisa has worked at David Ernstam Financial and Insurance Services, Inc since June 2009.  She has worked in the insurance industry since 1990, starting her career working for Aetna Inc.  In 1999 Lisa moved from central Ohio to Yuba City, CA to continue her career with Aetna Inc. In 2001, she moved to a large group brokerage firm in Rancho Cordova.  Her area of expertise include marketing, customer service, account implementation, enrollment and administration, educating clients on how to utilize their benefits, assisting clients when questions or issues arise.

Lisa has been married for over 18 years, with two sons, one daughter and three grand-daughters. She enjoys cooking, baking, gardening, volunteering at her son’s school, spending time with friends and family, as well as playing and attending sport functions.

AlexaAlexa has served David Ernstam Financial & Insurance Services, Inc. since June 2013. She was born and raised in Yuba City and is excited to be back in her hometown after attending college in Southern California. Alexa graduated from Faith Christian High School in 2008 and moved to Orange County to pursue her Associates Degree in Behavioral Science. Alexa graduated from Irvine Valley College in May 2013 and returned to the Yuba Sutter area to pursue an insurance career with her Dad, David Ernstam. Following in her Fathers footsteps, she obtained her Life and Health Insurance license and became certified to sell Insurance Plans. Alexa specializes in assisting Individuals and Senior clients.

Alexa enjoys being healthy, active and being outdoors. She loves spending time with her family and friends. Baking and cooking with her Mother and Grandmother are her favorite hobbies.

EricEric joined David Ernstam Financial & Insurance Services Inc. June 2013, shortly after obtaining his Life and Health License. Eric is responsible for many aspects that run our business such as generating new business, managing and growing with the changes of the Affordable Care Act (Covered CA), managing employee benefit packages for employers and maintaining our marketing strategy for the business. He grew up in Orange County where he graduated with his Associates Degree in Business Administration from Irvine Valley College. He moved to Northern California and is currently pursuing his Bachelor Degree in Business Administration at Cal State University East Bay. Prior to joining our office, Eric started his career with Celtic Commercial Finance where he held a marketing and sales position that focused on Leasing and Financing Capital Equipment.

Eric spends most of his spare time being active by golfing, fishing and playing basketball in addition to enjoying time with family and friends.

Veronica Rosales-Ponce joined David Ernstam Financial & Insurance Services Inc. in July 2018. Veronica started her insurance career with Aflac as a local Yuba City sales representative. When Veronica joined our team she took on the responsibilities for managing our individual and Covered CA customers while also working with individuals 65 and older navigate Medicare and Medicare Supplements.

Veronica fluently speaks English and Spanish which allows our office to services a broad range of customers in this Northern California region.

We service areas within Yuba County, Sutter County, Butte County, Roseville, Sacramento, Auburn, CA and the Greater Sacramento area. To find out more, get in touch by visiting our contact page and filling out the form or call us at (530) 751-1212