Meet Our Team

Byron

Byron Allen - President / CEO

Experience & Education

Byron graduated magna cum laude from Arizona State University’s Honors College with dual Bachelor degrees in Accountancy and Computer Information Science and later returned to ASU to earn his MBA.

Byron has worked at American Savings Life Insurance Company since 1993. His prior responsibilities have included being a loan servicing clerk, a staff accountant, a loan officer, Financial Officer and Vice-President. Byron has been President/CEO since 2006.

Away from Work

Byron and his wife Janice have eight children which keep them very busy to say the least. When not busy attending concerts, games, recitals, etc., Byron also enjoys golfing, volleyball, camping, hiking and any opportunity he can find to speak German.

Professional Associations

  • Life Insurers Council - current chairman and board member
  • National Alliances of Life Companies - member and membership chair
  • National Assoc. of Financial Advisors (Scottsdale, AZ) - past Treasurer and board member
  • Arizona Private Lender Association - past President and board member

Community Involvement

  • Boy Scouts of America - Scoutmaster and Eagle Scout
  • Mesa United Way - Executive committee, finance committee and board member
  • Full-time volunteer missionary for the Church of Jesus Christ of Latter-day Saints in Switzerland, Germany, and Austria

Favorite Quotes

  • "Things may come to those who wait, but only the things left by those who hustle." - Abraham Lincoln
  • "Heights by great men reached and kept, were not obtained by sudden flight; But they, while their companions slept, were toiling upward in the night." - Henry Wadsworth Longfellow

Paul

E. Paul Whetten - Executive Vice President / COO

Paul has 10 years of experience in enterprise management and small business accounting and over 17 years of experience in the financial services industry. He graduated magna cum laude from Arizona State University with a degree in History and went on to receive a Masters of Administration degree, with distinction, from Northern Arizona University. In addition to his responsibilities with American Life Financial Paul is an adjunct professor of business at Mesa Community College.

Away from Work

Paul's greatest claim to fame is that he convinced his wife to marry him. They are the proud parents of 6 children that have kept them constantly on the move. Paul has a large collection of historic flags that he uses in public speaking engagements and events all over Arizona. He enjoys public speaking, reading, singing, and cooking in Dutch ovens.

Community Involvement

Paul is currently serving as a board member and President of the Arizona Private Lender Association.

Paul has been involved with the Boy Scouts of America for over 30 years, serving as an adult volunteer working directly with youth as well as an instructor for adult leader training courses at the district and council level. He is an Eagle Scout and a recipient of both the Silver Beaver and the Distinguished Commissioner Award. He currently serves as an Assistant Council Commissioner for the Grand Canyon Council.

Paul is a graduate of Valle del Sol's Hispanic Leadership Institute and served on the initial advisory board for Valle del Sol's Donation Center. He has served as a PTO board member at Heritage Academy and as a volunteer with Junior Achievement of Arizona. From 1992 – 1994 Paul served as a full-time missionary for the Church of Jesus Christ of Latter-day Saints in Chile.

Paul has also served his community by being active in politics and serving in elected positions at the local, state and national levels. He served two terms as Party Chairman for his legislative district and has participated in numerous committees and working groups with government officials and other leaders throughout the State of Arizona.

Favorite Quotes

"Do I not destroy my enemies when I make them my friends?" – Abraham Lincoln

"Don't use words too big for the subject. Don't say 'infinitely' when you mean 'very'; otherwise you'll have no word left when you want to talk about something really infinite." – C. S. Lewis

"The reading of all good books is like a conversation with the finest minds of past centuries." – Rene Descartes


Michael

Michael Frahm - Vice President, Life Insurance & Annuities

Michael is the Vice President of America Savings Life managing the product development, market research analysis, agent training, marketing and sales for all annuity and life products.

Michael has been in the life insurance industry for approximately 25 years. He has qualified as a Million Dollar Roundtable personal producing agent, was the managing partner of a record-breaking career agency office, and worked in the home offices of life & annuity carriers having been the Director of Sales & Marketing, Chairman of the Product Design & Development Committee, Product Manager, and Senior Advisor.

Michael previously taught part-time as a business professor for the University of Phoenix, Western International University, and Axia College. He also was an instructor for the Phoenix Insurance & Securities School and the Life Underwriters Training Council.

He additionally assisted in the examination development for the Certified Financial Planner (CFP) designation, along with the course content development for LOMA's Fellow Life Management Institute (FLMI) designation.

In addition, he has had articles published as a life insurance subject matter expert in Senior Market Advisor, Life Insurance Selling, and NAIFA's Advisor Today magazines.

His industry designations include Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Life Underwriters Training Council Fellowship (LUTCF), Fraternal Insurance Counselor Fellowship (FICF), Fellow Life Management Institute with distinction (FLMI), Associate Insurance Regulatory Compliance (AIRC), Associate Reinsurance Administration (ARA), Chartered Advisor in Philanthropy (CAP), Chartered Leadership Fellow (CLF), Associate Customer Service (ACS), LOMA's Underwriting Certificate, and the Dale Carnegie Course certification.

Michael has a Bachelors degree in Finance and Business from the California State University in Fullerton and a Master of Business Administration degree from the University of Phoenix.

He has been married for over 30 years to his wife Lori, and they have a daughter and a son. He and his wife enjoy hiking in the Arizona mountains and volunteering in their church and community.


Linda

Linda Williams - Administrative Assistant

Linda has been with American Savings Life since 2015 working as an administrative assistant and receptionist, along with providing agent and customer service.

She enjoys seeing our beautiful country and had the awesome opportunity for three years to travel throughout the U.S. with a singing group. She enjoys spending time with family, watching chick flicks and old TV shows/movies, buying (especially at estate sales), and selling on the internet.


Ellen

Ellen Seger - Administrative Assistant

Ellen joined American Savings Life in 2018 with her administrative activities including agent and customer service, new application processing, and policy contract issuing. She previously has over 20 years of experience in legal billing for an Intellectual Property law firm.

When not working, she enjoys reading, puzzles, New Mexico (especially Albuquerque), visiting family in Iowa and Illinois, and spending time with friends.


Melanie

Melanie Schwendiman - Bookkeeper

Melanie came to American Savings Life in 2019 with over 15 years of accounting experience. She handles accounts payable, which includes paying fire insurance and property taxes on all mortgaged properties.

Melanie has been married to her husband Mike for over 20 years, and has three teenagers. She and her family moved to Arizona from Utah in 2014, and she is loving the warm weather and lack of “winter”. When not working, she enjoys spending time in nature, doing puzzles, reading, and serving the community.