Meet Our Team


Brett Kok


Brett began his insurance career working for his Dad, Joel Kok.  In high school he decided to pursue insurance and attended WSU (Go Cougs!) and obtained a degree in finance with an emphasis on insurance.  After graduation he went to work for Liberty Mutual where he was an underwriter and then a Territory Manager.  While working for Liberty Mutual, Brett met his wife Pamela Kok and have been married since 2012 and have three kids Mason, Kennedi and Blakely.  Brett enjoys spending time with his family, watching the Cougs, Seahawks, & Mariners, playing poker, hunting, and fishing.

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Joel Kok


Joel began his insurance career in 1982 as the owner of Noteboom, Byeman and Hendricks Insurance & Real Estate after spending several years working with local farmers as the parts manager at a local farm equipment dealer.  Having been raised in the small town of Lynden Washington he enjoys being able to help the members of his community protect what is most important to them.  When he is not at work Joel enjoys spending time with his family and spoiling his grandchildren.

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Kandi Baar


Kandi's insurance career began in the fall of 1998.  She has worked in many areas of the industry, from answering phones to working with personal insurance clients and then commercial insurance customers.  Kandi has been married to her husband Chad since the winter of 1998 and they have a son and a daughter who currently keep them busy traveling for various sporting events.  When she has a free moment Kandi enjoys reading a good book or going for a run with her friends.

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Jenn Scotter

Personal Insurance Department Manager

Jenn is a small town girl who grew up in Astoria and Newport, Oregon.  She now lives in Lynden Washington with her husband and three sons.  Her free time is spent watching her boys' sporting events or caring for the goats and chickens on her farm.  Jenn enjoys working with her clients to find insurance products that fit their specific needs.  She has been working with Guide Insurance Services since 2011.

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Karen Kok

Commercial Processor

Karen owes her life to insurance!  In fact, if it wasn’t for the insurance industry, she wouldn’t be alive.  Her dad was an insurance agent who went out on a call for an accident and ended up meeting a single, young woman…and the rest is history!

Joel and Karen met when she was a senior in high school.  One of her teachers asked her to work part time after school at the farm equipment store that she owned.  They were married two years later.

She graduated from Western Washington University with a Bachelor’s degree and worked for several years as a writer/editor for a design business.

Joel and Karen enjoy spending time with their kids and grandkids.

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Lauri Anderson

Personal Insurance Account Manager

Lauri's insurance career started in 1999 in Lynden Washington.   She is a licensed insurance agent and has worked with Guide Insurance Services since 2014.

Fun facts about Lauri ~

She has two sons and two granddaughters She loves cats She is a big Seahawks fan Her favorite thing to do is spend time with her granddaughters She enjoys camping but hasn't traveled in the past few years


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Megan Jensen

Commercial Insurance Account Manager

Six months after Megan started as a receptionist with an independent agency she was a licensed personal lines agent!  Megan grew up in Lynden Washington and earned her bachelor's degree from Western Washington University.   Megan and her husband Doug have to boys.  When Megan has free time she is spending it with her family!


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Sandy Janson

Commercial Customer Service Representative

Sandy was born and raised in El Paso Texas where she started her insurance career in 1984.  Within 6 months of starting her job at an agency in El Paso, Sandy was a licensed commercial insurance agent.  In her free time Sandy loves spending time with her husband and their 3 Jack Russell Terriers and her son, daughter in law and grand kids.  Sandy enjoys running so you'll often see her on the road before or after work and on weekends.

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Debbie Dirks

Personal Insurance Account Manager

Debbie has been working in the insurance industry for the last 4 years and she finds it, "challenging but satisfying".

Debbie and her husband have been married for 37 years and have been blessed with 3 kids, 6 grandchildren and a great grand baby! When she is not in the office you can find her speeding around on one of their motorcycles, either on road or off road.  Debbie enjoys spending time in nature and when she isn't exploring she can be found in her garden.

When she is stuck indoors she contributes to the local Relay for Life (American Cancer Society Fundraising Event) by donating crocheted afghans.




Tim Pratt




Casey Shipley

Personal Insurance Sales Executive

Casey has been in the insurance industry for over 15 years. Her experience is diverse, with time spent underwriting and processing claims for companies as well as time spent working directly with customers and servicing their policies. She enjoys building relationships with her clients and educating them on insurance empowering her clients to make the best decisions for their individual situation. One of the highlights of Casey’s role is spending time with local high school seniors and teaching them about insurance. Casey has been married to her husband for 25 years and has four children; two in college, one in high school and one in middle school. Her family keeps busy between hosting exchange students, attending Lynden Lions sporting events and visiting one daughter at Grand Canyon University in Arizona. When they have downtime, you will likely find them spending time with friends in Lynden, enjoying boardgame nights or spending time with their 4 legged fur-child.


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Paige Hastings

Commercial Customer Service Representative

Paige has lived here in Whatcom County all her life and attended Meridian High School. After graduating college with her Criminal Justice Degree, she found a love for insurance instead. She finds it challenging yet rewarding. Paige and her husband Jordan recently welcomed their son Ledger to the world. In her free time she enjoys making memories with her family.


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Tara Miller

Personal Insurance Account Manager

Tara began her insurance career in March of 2004 when a friend offered her a job in her agency and she hasn't looked back.  Her favorite part of the job is interacting with our clients and assisting them with their insurance needs.

Tara grew up in Spokane and later moved to Newport.  She has been married to her husband Jake since 1994 and has a step son and two grandsons.  In her spare time you may find her in her garden enjoying her flowers and veggies or grabbing a healthy snack, hiking with her family & doggies, snowshoeing or snowmobiling with her husband, if weather permits





Tena Alton

Health Insurance Producer

Tena has been in the insurance industry since 2001.  She started as an assistant in a medical insurance department and shortly after that started her own health insurance agency.  Her agency, Alton Insurance Services, joined with Guide Insurance services in 2018.

The favorite part of her career is getting to know her clients and their families.

In her free time you may find Tena decorating cakes and cupcakes or spending time with her 5 kids and 10 grandkids.

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Cassie Sanderlin

Personal Insurance Customer Service Representative

Cassie was born and raised in Ferry County. After some exploring the world, the beautiful town of Republic pulled her back home. She feels blessed that she gets to raise her son with the same small town values and benefits. Cassie is just stepping into the insurance industry, and is excited to make this her new career and to share her new found knowledge with the local community.



Barb Kubesh

Health Insurance Account Manager

I started my Insurance career in Colville, WA  8/16/1994.   I was looking for a job and there were two really great one’s available in this little city, a Travel Agent (which I had done before) and an Insurance Agent.  I choose Insurance only because I wouldn’t have to work weekends 😊  I like the one on one interaction with my clients.  I also really like to solve problems.

In my spare time I work in my vegetable garden.  I love to travel, cruises, waterslides and yard sales.  Growing up my family did a lot of moving, so I usually went to a new school each year.  I was born in Chicago and raised Chicago and California (Northern and Southern).  From 1980 through 1983,  I worked as a bartender and did some modeling and background acting.  I was an extra in the “Blues Brothers” movie and got to meet James Caan when I doubled for Tuesday Weld in the movie “Thief”.   In 1983 I worked for American Airlines out of O’Hare Field in Chicago.

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Hailey Kok


Hailey grew up in this insurance family and never imagined herself working here. But low & behold, here she is! Actually, Hailey has worked off and on since high school doing behind the scenes work, but officially became a regular here in October of 2018.

After high school, Hailey went to Bellingham Technical College. She loves animals and spends many weekends dog-sitting for her furry friends.



Anna Miltenberger


Anna moved from Forks, Washington to Whatcom County in 2005 to attend WWU. She graduated in 2009 with a B.A. in Political Science. She and her husband moved to Lynden in 2018, and are looking forward to raising their 2 boys in a small community. Anna is new to the world of insurance and excited to learn. In her free time, she can be found caring for her family, reading a book or walking the dog.



Tonya Lowe

Commercial Insurance - Processing

Tonya began her insurance career in the fall of 2007.  She obtained her property and casualty producer license in early 2008.  She started her career working with personal lines of insurance and later transitioned to commercial lines.  Tonya and her husband, Brian, have two children, Kylie (age 8) and Colby (age 5).  She enjoys spending time with her family.



Megan Love

Personal Insurance Processing

Megan has lived in the Colville area for most of her life, and enjoys small town living.   Megan worked for Guide Insurance Services briefly in 2016, and left to work at her family’s business for the last few years.   She is excited to be back at Guide, and back into the insurance business.   Megan has a 7 year old daughter named Tay, and they enjoy working in their garden, riding four wheelers and dirt bikes, fishing, and traveling to new places.





Carson Janzen


Carson is new to the insurance industry but eager to learn as much as he can, as quickly as he can. He is currently working toward his bachelor’s degree in Business Management and a minor in Entrepreneurship at Grand Canyon University. He is open and excited to help out around the office any way he can as an intern and take on many more responsibilities in the future. He enjoys spending time with his friends or his wonderful girlfriend Libby. If you ever need someone to talk sports or play a round of golf with, Carson is your guy!



Kelsey DeBruin


Kelsey was born and raised in Whatcom County and graduated from Lynden High School in June of 2020. She worked as a barista up until a door was opened by a close friend to the insurance world. Kelsey is new to insurance but is very excited to grow and learn within the agency. On her free time, Kelsey enjoys traveling and spending time with her family and friends.



Josh Downey


Joshua fell into insurance by accident in the spring of 2020. When he lost his barbershop due to the pandemic, he had to figure out a “Plan B”. He never imagined that he would end up having such a passion for the insurance industry. He believes that the work we do here is extremely important and makes sure to give each client 100%. His plan B became his plan A. Happy accidents! Joshua grew up, and is still located, in sunny Sacramento, California. When he’s not in the office working, you can find him somewhere in the Sierras with his pup or spending time keeping in touch with old clients (like Brett’s brother, Braden!)

Fun Fact: Two years ago when Joel (the boss man) came to visit his son and grandkids in Roseville, CA, Joshua cut his hair at the barbershop with no indication that in just a few years, he would be working for him here at Guide.



Kristen Oudman


Kristen was born in Texas and spent half of her childhood as a military brat, travelling with her family. For the past 20 years she has lived in Whatcom County getting her education, working and raising her 3 kids.

Kristen has had the opportunity of working in a variety of different professional industries, ranging from the restaurant industry, education, medical field and social services. These experiences have given her a wide knowledge of these specific industries, but more importantly have given her opportunities to meet new people and to learn how to best serve them and work hard to meet their needs.

When Kristen is not at work you will likely find her running her kids around to their different activities and watching them participate in their sports, dance or drama activities. When Kristen does have some free time she enjoys working out, competing is Spartan races, working in the yard, learning to play poker and travelling.




Nate Fischer


Nate grew up in Astoria, OR and Newport, OR.  He’s lived in Hawaii, California and Missouri since high school but is very happy to find his way back to Oregon.  Nate started in the Restaurant industry 24 years ago working his way from an hourly employee to a part owner of multiple locations.  He also spent 6 years as a beer sales rep to bars and restaurants in Marion County here in Oregon.

You can often catch Nate at the beach catching waves, kayaking and hiking with his dog “Reo” in the Valley, playing music with his band “Local Brew” around the Silverton area, or enjoying his new hobby of roasting coffee.



Tara King


Tara grew up in Whatcom County and attended Meridian High School, now settled in Lynden with her husband Shaun, son Tre and daughter Hailey. On her free time she likes to hang out with family and friends, she loves camping, cookouts, sporting events, cheer competitions, music and sunshine!



Courtney Mellema


Courtney grew up in Whatcom Country and graduated from Lynden Christian High in 2017. She is eager to start in the insurance industry and ready to learn and grow as much as she can. In her free time, Courtney can be found with family and friends, hiking, or running with her dog.