Family-Owned Health Insurance Built on Relationships

All Benefits Insurance Services was founded in 2005 by Kali Frankos with one simple goal: help people understand their health insurance and feel confident in their coverage.

Before starting the brokerage, Kali began her career at Cigna as a secretary. Her strong work ethic and natural ability to connect with people quickly moved her into the sales side of the insurance industry, where she worked for several insurance carriers helping both small and large employer groups.

While she enjoyed working closely with clients, Kali often felt limited by the restrictions of working directly for a carrier. She wanted the freedom to advocate for clients, compare options, and truly help people find the right coverage.

If you’ve ever met Kali, you know she’s a feisty Greek woman who will do just about anything for her family, friends, and clients.

After leaving her final carrier role in Los Angeles, Kali moved to San Diego in 2005 for love and decided it was time to build something of her own. That’s when All Benefits Insurance Services was born.

A Family Business

In 2015, the business became a true family operation when Kali’s son Sonny joined the brokerage. Together, they continued building the company around the same values Kali started with:

• clear guidance

• honest advice

• personal relationships

• real human support.

In 2026, Sonny’s wife Nin joined the team, bringing over 10 years of experience in the healthcare field. Her background adds an extra layer of support for clients, especially when it comes to understanding provider options and navigating the world of authorizations.

Together, Kali, Sonny, and Nin work side by side to make insurance feel less overwhelming and far more personal.

Our Approach

Health insurance can be confusing and overwhelming. Our goal is to simplify the process so you can understand your options and choose the right coverage with confidence.

When you work with us, you won’t get a call center or automated system. You’ll work directly with a licensed broker who knows your situation and is available when you need help.

Family First

When Kali, Sonny, and Nin aren’t helping clients, working on quotes, renewals, or sitting on hold with insurance carriers listening to the world’s most repetitive hold music, they’re spending time with the people who matter most: family.

Today, the center of their world is Sonny and Nin’s two children and Kali’s grandchildren.

At the day, family is exactly why they care so much about helping other families and businesses protect theirs.

Licensed Brokers (Life & Health)

Kali Frankos — License #: 0B95479
Sonny Chattle — License #: 0I06552
Nin Chattle — License #: 0L71378

250+

Southern California families and small businesses

Since 2005, trusted by