About Us

An independent insurance agency headquartered in Coral Springs, M&L Insurance has proudly served clients throughout the state of Florida including the counties of Broward, Dade, and Palm Beach since 1999.

We represent a vast network of leading insurance carriers across the nation. As a result, this enables us to identify the most effective combination of price and value for you, your family and business.

M&L Insurance provides insurance plans for all your personal and business needs. Our specialty lies in creating comprehensive, reliable and affordable policies for classic car insurance, condo insurance, general liability, commercial auto, or workers compensation coverage and more.

Call us today at 877.304.2323. Our agents are here to answer your questions, and are prepared to create a tailored, custom policy that's right for you.

Meet our Staff


David Vaandering – Owner


David was born in Ontario, Canada, and comes from a retail family background. Owning and running several retail and manufacturing companies, he understands the importance of customer service to the success of any company.

When he moved to Florida in 2001, he joined the M&L Insurance family and quickly gained success in the medium and high end property insurance market. He became the highest producer at the agency, having gained positive working relationships with many financial institutions, real estate professionals and attorneys across the country.

In his free time, David can be found fishing with friends and family, and watching his two boys, Taylor and Cameron, play football and hockey.

Kelly Vaandering – Owner


Kelly was born in Connecticut, but has lived in South Florida most of her life. Prior to M&L Insurance, she lived in Canada and purchased a retail franchise, where she was responsible for all accounting aspects of the company.

Since joining the team, she has been involved in all areas of the company’s operations, from being a Sales Agent and Customer Service Manager, to overseeing all company functions as Office Manager.

In her spare time, Kelly enjoys keeping up with the active lifestyle of her two boys, Taylor, and Cameron, alongside her husband, David.

Commercial Agents

Sebastian Mordas – Commercial Lines Department Leader


Sebastian Mordas graduated in 2009 from Florida Atlantic University with a bachelor’s degree in Business Administration with an emphasis in Finance & Real Estate.

Before joining the M&L family, Sebastian held positions in both personal & commercial lines and customer service departments throughout his nine years working in the insurance industry.

In 2011, Sebastian joined M & L Insurance and in 2012 helped shape commercial lines as a licensed 2-20 agent and Commercial Department Leader. He is presently responsible for commercial insurance department operations along with client development. One of his personal goals has been to complete the Certified Insurance Counselor (CIC) Designation.

During his free time, he enjoys spending time with his spouse and baby girl, traveling, reading books, going to the movies, and vacationing with his family.

Philippe Antoine - Commercial Sales


Philippe Antoine comes from a retail background where he was trained on a customer centered approach doing business. He quickly earned is 4-40 license and has become an integral part of the commercial department. Phil is a husband and father of a beautiful girl. You can find him on the weekend playing classical or jazz music on his saxophone.


Jessica Angellotti – Sales Manager


Bringing over 12 years of insurance experience, Jessica joined the M & L staff back in 2003. Originally from Long Island, New York, she relocated to South Florida where she met her husband and got her first taste of the industry.

Jessica currently resides in the Coral Springs area with her husband and two children, Brandon and Spencer. As a Sales Manager, she works diligently to provide all her clients with fast, efficient and friendly service.

Jessie Ago – Assistant Sales Manager


Jessie Ago (formerly Brozic) has been a member of the M&L insurance family since June 2006. A graduate of Florida State University, she is well versed in many diverse topics and has since focused her efforts on the insurance industry.

Due to her remarkable ability to remember things, she is known as “The Book.” When not writing insurance, she enjoys playing poker, listening to music, watching movies and spending time with her friends and family.

Sal Franco – Health and Life Specialist


Born in Cuba and raised in Brooklyn, NY, Sal graduated from NYU with a bachelors degree in Computer Science and received his MBA from the University of Miami. Prior to M&L, Sal spent 16 years working for AXA Equitable and Allstate. Before that, he held various positions in sales/marketing and project management at IBM. Sal joined the M & L Insurance team in 2012. He currently specializes in both personal & commercial lines and financial services, such as Life, DI, Group & Individual Health, Medicare, LTC, Annuities, Employer & Individual Retirement Planning and Executive Benefits. During his down time, Sal enjoys spending time with his wife of 23 years and three children, Emily, Megan and Joshua, and being a huge University of Miami fan.

Daniel Rivas - Personal Lines Sales


Daniel was born in Caracas, Venezuela, but have lived in South Florida since 1992. Has been a member of M&L since 2004. Daniel graduated from Ohio Wesleyan University with a bachelor’s degree in Computer Science and Mathematics and received a Master’s in Statistics and Data Analysis in Social Science from “Universidad Central of Venezuela”

Prior to M&L, Daniel had work as IT Manager and IT Project Manager in Insurance Company in Venezuela, such as “Seguros Anauco” in Venezuela and the Central Office of Statistic for the Venezuelan Census. Work as an IT Project Manager for ARMCO steels until was hire to work for Epicor, an ERP, Manufacturing and CRM software company in Irvine, CA out of the Latin-American Office in Boca Raton, FL.

At M&L Insurance Agency he currently specializes in both personal & commercial lines, with an emphasis in Home, Auto and General Liability insurance. His hobbies are playing golf, surfing and coaching little league baseball & soccer.

Nella Liuzzi - Personal Line Sales


Originally from Brooklyn, NY, Nella joined the M&L family in 2014. She prides herself in forming lasting relationships with all clients and providing top notch friendly service. She currently resides in Ft. Lauderdale, FL with her husband Tommy and four fur babies.

Lauren Haemmerle Bevacqua - Personal Lines Sales


Lauren joined the M & L family in 2006 after serving her country in the United States Army. Holding positions from customer service to sales, she has a full understanding of the insurance industry.
During her free time Lauren enjoys spending time with her husband and their son.

Customer Service

Candy Mesmer – Office Manager


Candace was born in Barbados, and raised in Florida. She joined our staff in 2004.

A self-proclaimed “baked good extraordinaire,” Candace loves spending all her free time with her family.

Sandra Naranjo – Executive Assistant


Sandra lived in Colombia before moving to Florida 13 years ago. She joined the M&L team in 2008.

When she isn’t supervising her department, she spends her time indulging in her guilty pleasure: fashion.

Eliany Salazar - Customer Service


Eliany was born originally in Venezuela and moved to the states at a young age, growing up in South Florida. Prior to M&L insurance her insurance background was from an independent national provider servicing workers comp such as claims, fraud investigations, and managing the transportation/interpretation department. Thriving to new opportunities and education lead her to the world of personal lines two years ago and looks forward to continuing growing along with M&L Insurance. In her spare time, she focuses her free time with her family, and friend’s as well learning new ways for self-improvement.

Marlon Sam - Customer Service


Marlon was born in Guyana and raised in Brooklyn, NY. Marlon brings in almost 10 years of customer service and sales experience. Before joining M&L insurance, Marlon brought his vast experience to various companies, before finding a home at M&L. Now as a 4-40 agent, Marlon is looking to grow as an asset within the company to expand their brand, and quality of service. When not at work, Marlon spends his time with his family, or investing in the stock market. Also he is a SUPER basketball/football fanatic, and enjoys gaming.

Zach Carletti - Personal Lines Sale Agent


Zach was born and raised in Providence, Rhode Island. He graduated from Coral Glades high school in 2015. Having parents that do business with multiple insurance agents throughout the state, he has always had an interest in the business. Zach joined the M&L family in June of 2015 and currently works in the customer service department handling all the billing. Even though he is new to this business Zach has a goal of becoming a personal lines sales producer within the next couple years. He enjoys working on his car and spending time with his family.

Pat Keenan - Customer Care Mortgage Specialist


Former New Yorker, joined M & L in 2002 as CSR, love to play Bingo & visit the casinos in spare time.

Marlene Schlecker - Customer Service


Hi, My names Marlene Schlecker I have been in the P&C insurance industry for 19 years. I enjoy spending time with my family, fitness, and a healthy life style

Karen Margolies - Billing


Originally from Shaker Heights, Ohio, Karen moved to Coral Springs in 1980 and graduated from Florida Atlantic University. She joined the M&L team in 2016. In her spare time she likes taking cruises and spending time with her family.

Rachael Spatafora - Personal Lines Sale Agent


Rachael joined the M & L family in 2013 with 8 years of insurance experience. As a licensed 2-20 agent Rachael enjoys the challenge of matching her customers with the correct insurance product. Originally born in Long Island New York, Rachael now resides in South Florida with her fur baby Maggie. In her spare time she enjoys spending time with family, friends, listening to music and going to the beach.