Meet the Team

Dedicated Insurance Agents in Delaware and Maryland

At Frankos Insurance Agency, our team is here to help you start designing a personalized home, auto, or business insurance plan. Call 302-531-0831 or 410-822-6049 to get started!

Jennie Kim

Michael D Frankos

Agency Principal

Licensed In: MD, DE, VA, PA

Bio: Mike, his wife Molly and his two children have lived on the Eastern Shore of Maryland since 2004. He has been in the insurance industry and the Agency Principal since 2000.

Education: Mike is a graduate of The University of Pittsburgh. Agent Qualifications: Mike holds the Chartered Life Underwriter(CLU) designation from The American College. The Frankos Agency has also qualified for multiple awards for sales and service from various insurance carriers over the years.

Community Activities: Mike is active in his hometown of Easton. He has held board positions for local charities and volunteers his time frequently to raise money donated locally for veterans and children in need.

Hobbies: Mike is an avid sports and music fan. He spends free time attending concerts and sporting events.

Dover Office

Jennie Kim

Nicole Mariner

Agency Manager

Bio: Nicole was born and raised in Sussex County, Delaware. She resides in Milford with her boyfriend, his son and their family dog. She has worked in customer service since she was 15 years old and has a knack for creating a great customer experience.

Agent Qualifications: Nicole has been in the business since 2013, where she started out as an insurance service representative. After transitioning into insurance & financial sales, then working in a dealership, she joined the Frankos Agency team as a Sales & Service rep in 2017. She became Agency Manager in May of 2019.

Education: Nicole is a 2009 graduate of Milford Senior High School, and a 2012 graduate of Delaware Tech.

Community Activities: Nicole has always been active in her hometown of Milford. She grew up in the 4H Club, and received President’s Awards for outstanding community service in High School. Since graduating, she has dedicated her time to donating crafts and handmade items to local events supporting families in need.

Hobbies: Nicole enjoys attending country music concerts, decorating her home, re-purposing/revitalizing furniture. During the summer months you can find her driving on the beach in her Jeep or camping on the Eastern Shore with her family.

Jennie Kim

Heather Nicholas

CLCS, Licensed Producer

Bio: Heather resides in Kent County, Delaware with her fiancé and step son. She joined the Frankos Agency in 2018 and is really enjoying the insurance industry. Heather came to us with 12 years of customer service experience. She has always been fond of working with the public and really values customer relationships.

Education: Heather is a 2013 Wilmington University graduate. Since joining the Frankos Agency she has received a Commercial Lines Coverage Specialist Designation from The National Underwriter Company.

Hobbies: From going out and having family fun to staying home watching movies on the couch, Heather enjoys spending her spare time with her family and pups.

Jennie Kim

Theresa Marriott

Licensed Producer

Bio: Theresa was born in Philadelphia, PA and later moved to Delaware with her parents and sister when she was 7 years old. Her father was the US Navy Recruiter for the Dover area. Theresa now resides in Dover with her husband and their 2 dogs and 2 cats.

Agent Qualifications: Theresa has been in the insurance industry since 1976. She loves the insurance business and working with people.  

Education: Theresa is a graduate of Holy Cross High School in Dover, and then attended Delaware Technical and Community College for business.

Hobbies: Theresa loves gardening and spending her time with her family and 6 grandchildren. In the warmer months you can find her working around the house and relaxing in her backyard oasis.

Easton Office

Jennie Kim

Karen White

Licensed Producer

Bio: Karen has lived in Talbot County her whole life. She is a loving mother and grandmother. Being in the office with Karen, it is obvious that she loves her customers just as much as her own family. Karen has been in the insurance industry for 44 years. She is well versed in customer care and that shines through the moment you meet her!

Education: Karen is a graduate of Easton High School.

Hobbies: In her spare time, Karen loves spending time with her family, reading, and relaxing on the beach.

Jennie Kim

Martha “Marty” Kunkle

Licensed Producer (¡Habla Espanol!)

Bio: Marty has been in the insurance Industry since 2002 and serves the Frankos Agency in P&C sales and customer care. Most important to her work ethic is making sure her clients have an understanding of the insurance they are purchasing, to know what their insurance policy would cover in the event of a loss. This is most important for her Spanish-speaking clients, who often have no experience with the laws and insurance requirements in Maryland.

Education: Marty’s education and work background includes a B.A. in Spanish and Mathematics, and various jobs in diverse industries.

Jennie Kim

Sara Bailey

Licensed Producer

Bio: Sara, a native of the Eastern Shore grew up in Centreville, MD. Sara is very active and driven, she is an Insurance Agent on the week days and hard-working retail salesperson and commercial crabber on nights and weekends.

Education: In 2004 Sara moved to Towson with her Mother, where she attended Towson High School. After graduating from high school she moved to Florida where she obtained an Associate Degree before joining the Army in 2013. After her return home she graduated with her Bachelor Degree in Criminal Justice from the University of Central Florida in 2016.

Agent Qualifications: Sara has been in the insurance industry for 5 years and had experience with other Insurance Companies before joining to our team in 2019. Licensed in both personal and commercial lines she focuses mainly on our commercial clients.

Hobbies: When Sara is not working, she enjoys spending time with her friends and going out on the water fishing.

Our experienced professionals are here to guide you through the entire insurance process. We look forward to building a personal relationship with you! Get in touch with our team by calling 302-531-0831 for our Dover, DE location or 410-822-6049 for our Easton, MD location today.