Senior Care Insurance Agency

Fred Ulayyet:

A licensed insurance agent since July 1988, Fred co-founded Senior Care Insurance Services, accompanied by his twin brother Mike, in the summer of 1990. Fred received his Bachelor of Science (B.S.) degree from Valparaiso University in August 1986. He subsequently received his Master of Business Administration (MBA) from Dominican University (formerly Rosary College), located in River Forest, Illinois in May 1988. Fred has resided in Valparaiso, Indiana since August 1982, along with his family.  

Mike Ulayyet:

Mike has been a licensed insurance agent since 1987. Accompanied by his twin brother Fred, Mike founded Senior Care Insurance Services in the summer of 1990. Mike graduated from Valparaiso University in 1986, receiving his Bachelor of Science (B.S.) degree. He later received his Master of Business Administration (MBA) from Dominican University (formerly Rosary College), located in River Forest, Illinois in May 1992. Mike has resided in Valparaiso, Indiana since 1982.

Sam Ulayyet:

Born in Illinois and raised in Northwest Indiana, Sam graduated from Valparaiso High School in 2005. In August 2005, Sam became a licensed insurance agent and joined Senior Care Insurance Services. In his down time, Sam loves to spend time with his family and travel.  He currently attends Indiana University Northwest and lives with his family in Valparaiso, Indiana.

Omar Estwani:

Omar Estwani is originally from Lake County, Indiana.  Although his family moved to Virginia, where he attended high school and college, it wasn't long before he found himself returning to Northwest Indiana.  He has two associates degrees from Virginia colleges. In 2004, he joined the Senior Care Insurance Services team and helped open the Schererville office in 2005.  A lover of basketball and football, Omar spends his down time watching the Chicago Bears and the Chicago Bulls. He currently resides in Crown Point with his family.

Hosam Estwani:

Hosam Estwani graduated from George Mason University with a Business Administration degree. He has done a lot of volunteering with youth programs in the past, such as working as camp counselor at different youth camps and coaching different youth teams. He has a family of 4 and resides with them in Crown Point. Hosam has over 9 years of experience in this business and has received many awards from different insurance companies, making him a very knowledgeable fountain of information.


Osama Estwani:

Osama was born and raised in the DC Metropolitan Area, where he attended Langley High School, located in McLean, VA. He grew up playing football, and is a die-hard Chicago Bears and Jacksonville Jaguars fan. He currently attends Indiana University Northwest, working towards a Business and Economics degree. He entered the Senior Care team in 2010, joining his two older brothers Hosam and Omar. Osama has been working out of our Munster location, since it opened in April 2013. Osama loves spending most of his downtime with his family, and resides in Crown Point.

Anas Jamaleddin:

AJ was a constant guest to Northwest Indiana, prior to making his move in 2008. With extensive years in management, Anas has been acting as executive administrator and a licensed agent with Senior Care Insurance Services since April 2011. Anas currently resides in Valparaiso, Indiana with his family, and spends his downtime playing with his children.

Khalid Kamalmaz:

Khalid was born in Plainfield, IN but graduated from Stonewall Jackson High School in Manassas, VA. He attended George Mason University, and graduated with a Major in Film and Video Studies and a Minor in Business. While in high school, Khalid was on the soccer team, and continues to enjoy being active. Khalid  became a licensed insurance agent and began working at Senior Care Insurance Services in July 2011. Khalid currently resides in Crown Point, Indiana with his wife, and loves to spend his free time snowboarding, and enjoys photography as well. 

Nour Kalam:

Nour began working at Senior Care Insurance Services in 2010. In 2013, he became a licensed insurance agent, and is currently a resident of Valparaiso, IN. The youngest agent on staff, Nour is an avid soccer fan and loves to play any chance he gets. He is a huge fan of Barcelona Football Club, and also supports the Chicago Bears and the Chicago Bulls. 

Zaidoun Hijaz:

Zee became a licensed insurance agent and began working at Senior Care Insurance Services in July 2013. Zaidoun currently lives in Schererville, Indiana with his family. He loves to spend his free time with his children or watching soccer, as he is a big fan of Real Madrid.

Tina Shabaz:

Tina was born and raised in the state of Indiana. She graduated form Purdue Calumet and Ivy Tech. She began working with the company in March of 2014, as a licensed agent. While Tina is not big on sports, she enjoys curling up with a good book and spending time with her children. Her favorite pasttimes include dancing, singing, and drawing.


Woodrow Wilcox:

Woodrow Wilcox started working for Senior Care Insurance Services in the spring of 2003.  He helps with many administrative areas but concentrates on helping our clients save money by correcting medical billing errors that are caused by mistakes in the Medicare system.  He has two degrees from Indiana University and wrote the book SOLVING MEDICARE PROBLEM.

Sharon Castelli:

Sharon began working with Senior Care Insurance Services as a senior executive assistant in the fall of 2005, with her main responsibility revolving around review of applications. She currently resides in Saint John, Indiana and has three children and four grandchildren. In her free time, Sharon loves to watch football and is a huge fan of the Indianapolis Colts.

Veronica Garza:

Veronia Garza began working at Senior Care Insurance Services in 2010 as an administrative assistant. Veronica graduated from Bishop Noll Institute in 2005, and later earned an Associate Degree in Business Management from Ivy Tech Community College in 2008. Veronica currently resides in Gary, Indiana and spends her free time reading and watching movies.

Cindy Higgins: 

Cindy has been with the company since 1996. She is one of the two lead coordinators on staff, and is responsible for following up with potential clients and connecting them with the closest agent.  


Nadine Zivanovich: 

Nadine has been with the company since August 2006. She is another leads coordinater on staff, and is responsbile for contacting many of our existing and new clients.


Amanda Den-Hartog: 

Amanda attended Hanover Central Jr/Sr High School, and graduated in 2007. She has been with the company since August 2012, and currently resides in St. John, Indiana. She spends her free time with her family and two children, and is in the process of going back to school.


Maha Shahwan: 

Maha attented Wilber Write College, obtained her GED, and was a certified Teacher's Assistant. She has also completed a year and a half of educational courses. Maha joined the company in September of 2013, and is the personal secretary at the Schererville office. She has three children and three grandchildren, and when she isn't spending time with them, Maha loves to golf and quilt.


Danielle Stafford:

Danielle graduated from Sawyer College of Business and also became certified in medical terminology at Purdue University Calumet when she decided to work in the hospital atmosphere. Working in hospitals made the transition to working for an insurance company smoother. Danielle joined the office in April of 2013, and helped open the Munster office with Osama Estwani, where she works as a personal assistant in the Munster office. She currently resides in Dyer, IN with her family, and loves to spend her free time with photography and working on extra projects for Fred and Mike Ulayyet.



Melanie Zivanovich is a part time support person.

Janet Hoffman is a part time office support person.