Meet Our Team


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


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 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 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 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.