Kilgro & Associates Inc.

Here at Kilgro & Associates, our mission is to help clients achieve their dreams by providing the protection required to overcome life’s challenges, and the guidance needed to thrive!

Meet the Team

John Kilgro

Agency Owner, CEO, President

I grew up in Ft Payne AL. I have 33 years of experience in the Insurance Industry. I spent my first 10 years in claims. As the owner, it excites me to work with our staff in their development and assist them with the opportunity to grow in our profession. I never feel like I go to work. It excites me each morning to wake up and spend time with our staff and building client relationships. I love spending time relaxing on my boat or playing a round of golf. I am passionate about non-profits that assist with feeding the poor and homeless.

(256) 485-4632

Ava Blevins

Associate Agent, Lines Specialist

I grew up in Florence, AL. I studied for 2 years at UNA and I am currently completing my Commercial Lines Coverage Specialist course. I have been in the insurance industry for 4 years and recently specialized in commercial accounts. I love our customers, helping them is one of my biggest passions. When I’m not at work, I really enjoying cooking, especially trying new foods and recipes! My guilty pleasure is Netflix, red wine, and lazy weekends at home!

(256) 350-9434

Lindsay Bracy

Personal Lines Account Manager

I grew up in California and moved with my family to Alabama when I was 13. I was homeschooled most of my life and then went to Northwest Shoals Community college for a year before starting my own business in 2010. I have only had 10 months of experience in insurance, but I am thoroughly enjoying the growth and possibilities to learn more and excel in my position. I enjoy being able to connect to clients, reaching out to resolve any issues they may have, also offering my assistance to the producers if they have anything I can help with to lighten the work load they may have. I enjoy my family, my kids, and my artwork. Family is everything to me and it’s why I do what I do. I love to draw portraits and paint, it is my passion. I love to be outdoors; I enjoy traveling when possible and mountain hikes. Hiking, painting, or creating. I enjoy being able to unwind and relax, and Art for me is the perfect way to unplug from the stresses of daily life and just breathe. I enjoy helping at my church & will be helping with Habitat for Humanity on a home build for a local family this winter.

(256) 340-7101

Penelope Melendes

Personal Lines Account Manager, Bi-Lingual Specialist (Spanish)

I am from the Dominican Republic. When I turned 14 years old, I came to the United States with my parents and lived in Boston for a few years before moving to Alabama for College. Working in the Insurance Industry has allowed me to step out of my comfort zone, which is the reason why I enjoy this job very much. One of the great things about this job is how it has taught me the importance of being appropriately insured and being able to make sure our clients are as well.

Outside of work, I am a musician. I spend most of my time composing and recording music. I love to talk about music and anything that has to do with Korean culture since my third language is Korean. I do not have a guilty pleasure since there is nothing I do that I feel guilty about. I try to enjoy everything and do things with a purpose. With that said, I love to binge-watch Korean dramas so, I guess people could consider this to be a guilty pleasure. Unless I am traveling, the only place I will be when I am not at work or church is at home. My favorite way to spend the weekend would be sleeping and watching tv all day since it’s something I don’t do enough. Apart from all my daily work duties and personal activities, I am a Seventh-day Adventist. I spend a lot of time planning programs or giving concerts in different Adventist churches throughout the country.

(256) 232-5241

Paul Martin

Associate Agent, Farm/Agribusiness/Commercial/Financial/Life Specialist

I grew up in Decatur, AL. I played baseball and hockey until I graduated High School. I have 20 years in the industry. Through estate planning, retirement planning, and Long Term Care Insurance I can ensure peace of mind for your future and your beneficiaries. I have a network of respected estate lawyers and accountants to help me help you. I apprenticed under a Le Cordon Bleu graduate and love to cook. Seafood is my specialty. I have been Santa for 11 years. I love to see the magic in the eyes of the children and their parents! Most weekends you can nd me playing dominos, grilling, and bird watching in the backyard. I have been honored to be Santa for numerous nonprofit t and special needs groups for a decade.

(256) 347-0371

Aleyda Schwaiger

Associate Agent, Commercial/General Liability/Workers Comp/Bi-lingual Specialist (Spanish)

I am originally from Honduras Central America, I graduated in San Pedro Sula the Industrial Capital of Honduras. I graduated as a commercial secretary, I studied marketing for one year, I also was involved in the ecotourism group in which we teach and learn how to protect the beautiful natural environment of my beautiful Honduras. I have been working in this industry since 2010 and love every bit of it because I am a people person and like to help anyone the best I can. My customers are my priority, and I am engaged to provide a great and outstanding service for them. I am passionate about helping people and insure them properly. When I’m not working, I enjoy spending time with God and my family. I love to spend time reading the word of God to learn more about him. I acknowledge God in all my ways because he is the key to all my success. When I am not working, I can be found at home spending quality time with my husband and our animals. I have a ministry with the kids in Honduras and every time I go there, I do things for the kids. I am also an animal lover and when I retire, I want to open a shelter to help and feed stray animals.

(256) 340-7139

Brenda Shepard

Account Manager

I grew up in Savannah, GA. I attended Property & Casualty courses for my Producer’s License and Life Insurance License. I started in the insurance industry in South Carolina for a Nationwide agency in 1989. I then joined the Davenport Agency in 1997. In total, I have been in the industry for over 20 years. I enjoy talking with clients and helping them with their needs and also educating clients on insurance. I really enjoy going on cruises with my grandchildren, going to estate sales and finding a great bargain! Above all, when I’m not working I love spending time with my husband and my grandchildren.

(334) 271-1610

Lynn Kimbrel

Account Manager

I grew up in Prattville. I started in a file department with an insurance company, then I moved to coding. The ability to provide the policyholder the coverage they are needing with a reasonable premium is one of the most rewarding parts of the job. I love gardening, planting powers, and landscaping my yard is my passion. I’m currently remodeling a 1950’s lake home and I’m doing most of the work myself-minus any major construction. During the Summer I’m outside in my yard and in the winter I’m out going to estate sales!

(334) 271-1610

Steadman Rutherford

Associate Agent, Farm/Agribusiness/Commercial Specialist

I grew up in Hatton, AL and I have been in the insurance industry for 4 years. I specialize in Farm & Agribusiness insurance. What most excites me is the ability to offer my customers a superior service and a superior product. I enjoy being a father and watching my children grow and learn and all things agriculture-related. When Im not working, you can find me working on my family’s farm, and spending time with my wife and kids.

(256) 309-8574

Chrystal Johnson

Associate Agent, Personal Lines Specialist

I grew up in Cullman, Alabama where I attended and graduated from Vinemont High School. After high school, I attended Wallace State where I completed my basics and first semester of nursing school before transferring to the RN program at Calhoun Community College. I have worked in insurance since 2014 with a few different roles, from an agent to the agency director. I have my life and health license, property and casualty, and am currently working on my CLCS designation. I’m very passionate about what I do and have been able to help people more than I could ever imagine. I feel like the contribution I can make is being honest with my clients and continue to educate myself and learn to change and grow with society in order to be able to meet my client’s most current needs. I love to go to the beach, and I can always enjoy some good food. When I’m not working, I enjoy being around friends and family. I have been involved in A-21 for several years. The organization works to raise awareness and help rescue victims of human tracking. The organization will also represent victims through the legal system, provide housing, and mentor them through the process of regaining their freedom. I also enjoy helping with Tent City Project each year, volunteering at the Link of Cullman County, and working on projects in my community through Desperation Church.

(256) 531-7310

Melanie Tyson

Account Manager

I grew up in a small town just south of Philadelphia, Pennsylvania. I attended Penn State University for 4 years and graduated from Arizona State University with a bachelor’s degree in Human Development and Family Sciences. I have been in the insurance industry for 3 1/2 years, I handle mostly personal lines accounts and assist with our agency’s marketing management, phone system, and social media accounts. What most excites me is helping to grow our agency while providing excellent service to our clients. Helping families get the coverages they need is our main focus! Outside of the office, I love being a mom and watching my daughters grow and learn. I may also be a tad obsessed with my pets, especially my dog. I have played volleyball throughout grade school, high school, college, and currently play in an adult league. When I’m not at the office, I can usually be found at home, playing outside with my kids. My favorite way to spend a weekend is with family and friends. I also enjoy donating to animal shelters.

(256) 776-7754

Cynthia Espinoza

Personal Lines Account Manager, Bi-Lingual Specialist (Spanish)

I was born and raised in Orange, California. I completed 3 years of community college in general education. My experience in the insurance industry began in September of 2016 and so far, I enjoy it very much. What I love about my job is the fact that, by being bilingual, I can help the Hispanic community with their insurance needs and explain exactly how the insurance works. Personally, I enjoy my time being with my sons, sometimes at home having movie nights and/or when it’s possible we go to a skating rink or the trampoline parks. A guilty pleasure would be that I love chocolate! I can NEVER say NO to Chocolate! I have always been interested in helping others. Whether it is a family member, a friend, or even if I bump into someone at a store where they are struggling communicating with others because of the language barrier! When I’m not working, I am usually at home relaxing.

(256) 434-7704

Jennifer Little

Associate Agent, Personal Lines Specialist

I grew up in Huntsville and Toronto, and I was a ceramics major at JSU. I am new to the insurance industry, I joined the agency a few months ago and I am excited to learn and grow as a producer. I have been in sales for a decade and truly enjoy connecting with people and showing the value a certain product has to them. It builds trust. Outside of my professional life, I really enjoy all things cooking! I grew up in the kitchen, my mom started teaching me to cook gourmet meals when I was 13. I never stopped learning different types of cuisine. I use my creativity in the kitchen as a method of relaxing, so I spend my weekends cooking big meals and invite friends and family to come to eat.

(205) 901-0580

Suzy Smallwood

Account Manager - Personal/Commercial Lines

I grew up in West Limestone, AL, and now reside in Athens, AL. I graduated in 2000 from West Limestone High School. While attending school, I also took a Culinary Arts class for 3 years. After graduating, I attended Calhoun Community College where I earned my Cosmetology Certi cate after passing my core requirements. I first familiarized myself with mortgage and auto insurance during the ve plus years I worked in the collections department of a local bank. While the majority of my business-oriented focus has always been toward providing exceptional customer service, I have recently found that passion to coincide directly with the insurance world. As of now, I primarily assist in managing our personal lines of insurance, notify our producers when our insured’s premium payments are due for all lines of insurance and strive to assist others in any way that I can. I love that Kilgro & Associates have limitless options when it comes to placing someone with great insurance coverage at an even better premium. I love knowing that I, however small, have a hand in keeping families from experiencing the struggles that mine did. The older I get, the more I appreciate soaking up the spontaneity of life. I’m talking…driving to the beach on a Friday night to catch the beautiful sunrise Saturday morning…cutting out on a Saturday morning to Memphis, TN for some amazing BBQ…or even something as simple as cruising to Little Sugar Creek by Mt Zion church where there is no cell phone service & the perfect place for my sons to wade in the water. There is something about those moments that make time stand still while putting life back in perspective. I love to sing! When I was 12, I was on a show called Nashville Starseek. Being on the show got me a front-page spread in the Lifestyles section of the News Courier newspaper too.  When I’m not working, my sons, husband, and I either take “mini” trips to somewhere new, visit landmarks in our state, or stay home, grill out and watch a family movie. My oldest son, Chris, has high-functioning Asperger’s Autism. Helping him has taught me unparalleled patience. It has also kindled a love for all children in my heart. If volunteer for the Special Needs Rodeo in Morgan County when I can and it is always a huge blessing! Seeing a child’s eyes light up with excitement and knowing that you helped create that moment is a priceless gift. Any wonderful cause that involves bettering the lives of children will forever have my undivided attention.

(256) 906-0802

Jennifer Morgan

Associate Agent, Commercial/Personal Lines Specialist

I have been in the insurance industry for 15 years. I have worked in every aspect of the industry both Personal and Commercial to make sure I meet the needs of the clients. I was Agent of the year for the State of Alabama in 2010 Runners up for 2011 and 2012. Agent of the year for State Auto Insurance for the year 2009. Top Sales for Auto-Owners Insurance in June of 2018. I am a proud member of the Athens Chamber of Commerce, Prison Ministry Reform, the motherhood program, and the Saving Marriages program. I also enjoy working on the Election Polls. In my spare time, I enjoy my two daughters Mia and Canna, and sharing my love for the Lord. I believe what seems impossible shouldn’t stop you! I epitomize integrity, hard work to make sure I reach your insurance needs.

(256) 247-8738

Tonya Crowe

Associate Agent, Commercial/Personal Lines Specialist

I grew up in a very small town in South Alabama, Luverne. I attended and graduated from Luverne High School. I began my career as an insurance agent in 2018 and have LOVED it! My office provides insurance solutions for EVERY need. I am most excited when I can help a client identify what they need and nd the BEST value for that need. On a personal note, I most enjoy my children and my two granddaughters, Charlotte age 4, and Wrenley age 4 months. I often say that I know God has given us all “talents”, but I haven’t found mine yet! When away from the office you will most likely nd me at home or a ball game, depending on the season. I am a HUGE Alabama fan! We live for Saturdays in the fall. Every year our church will “adopt” children and we will purchase their Christmas wish list. This is always very dear to my heart as well as The Turkeys from Heaven. Every year there are 100’s of Turkeys and all the fixin’s cooked and delivered to families in need or who can’t leave their homes. We participate in this “giving” and it is truly a blessing to me and my family.

(334) 335-2277

Jill Noblin

Account Manager

I grew up in Luverne, AL, but I now live in Brantley, AL. I grew up a Luverne Tiger and my kids are Brantley Bulldogs. Those of you from our area know that’s a rivalry that could easily compare to Auburn and Alabama. My kids attend Brantley High School where I volunteer on the Parent Advisory Committee. I have been in the insurance industry for just over a year. I have really enjoyed learning and growing as an insurance agent. Up until recently, I was an Account Manager and Service Representative for Personal Line Business. I now work as the Account Manager and Service Representative for all farm accounts. The best part of my job is helping our clients. Helping a client and the insurance that best ts their needs with a premium that they can afford are truly rewarding. My favorite pass time is spending time with my family. Having all of our kids together at the same time and enjoying each other’s company, whether we are just hanging out at the house or spending a day on the beach, the time we spend together compare to nothing else. The occasional moments that I have time to myself, I can always be found at the beach, listening to the waves and soaking up the beautiful sun. Our kids are very active in extracurricular activities basketball, rec league baseball, travel baseball, City league football, Allstar football, cheering, and dance. So most days you can nd us on the farm or at the ball eld. And Sundays are spent at church with our church family!

(256) 513-5732

Stephanie Mattox

Business Manager

I moved to Decatur, AL at the age of five, and lived there until college. I attended Auburn University (War Eagle) and received both my undergraduate and graduate degrees in the eld of accounting. This has been my first year of working full time in the insurance industry. It’s been challenging in the best way. It’s exciting to work with such an amazing group of professionals, focused on a common goal of offering exceptional customer service to our clients. I cannot stop talking about my kids! I have two sons and a daughter that keep life entertaining and full. Outside of that, I love to run and resistance train. I ran the New York City marathon in 2011. When I’m not working, you will almost always find me with my family! My husband and three children are the best part of any day. My husband and I are on the board of directors for Mision Vida Nueva, an orphanage in Guatemala. Their home is a refuge for the orphaned, abandoned, or abused and their mission is to empower God’s children to change the world. We are constantly in awe of the work that they do and it is an organization we are passionate about supporting.

(256) 221-0555

Dulce De La Cruz

Personal Lines Account Manager, Bi-Lingual Specialist (Spanish)

I grew up in Lacey’s Springs, Al, for the most part, and Huntsville, AL. Growing up I studied at an academy where I practiced German and Russian and started an environmental group to help keep campuses clean. In the insurance industry, it seems as if every day you are learning something new which keeps your job very interesting. I love helping people. It gets me hyped to help someone and a great price within their range and helping first-time insurance buyers as well. Especially with being bilingual, I can always go the extra mile in expanding the business to our Hispanic community. I am very passionate about cooking, dancing, making DIY crafts with my children and definitely can’t get enough of The Office and The Big Bang Theory! I would say my guilty pleasure would be watching calligraphy videos, it is just so satisfying! You can always find me at home sleeping or sleeping at my mom’s house haha! Usually, around the holidays I like to donate items such as clothing, shoes, food, and/or toys to organizations to help the less fortunate. That’s what the holidays are all about, giving.

(256) 403-6030

Tyler Kilgro

Associate Agent, Commercial Liability/Commercial Realty Specialist

I grew up in Decatur, AL. I graduated from Austin high school with honors, spent two years at Auburn University. I have 8 years of experience with commercial and personal lines insurance. The most exciting part of my job is knowing that I am making sure our clients are covered properly so that if there was to be an incident, they are having peace of mind with knowing they are not going to be left in the dark. Personally, I love to get in the kitchen and try new recipes and trying my luck at cooking competitions. I share my creations online and talk about food constantly. My guilty pleasure is enjoying time riding my vintage motorcycle when I have it running. Most weekends you can catch me with my lovely wife enjoying either a fabulous home-cooked meal or a nice dinner out with friends. I am a three-year sitting board member for the Greater Morgan County Homebuilders Association where we help the local community with giving to the building programs of the school systems and help promote local home builders and contractors. I also help start an annual BBQ cooking competition this year that helps raise funds for local non-pro t charities. I am involved with The Crewe of Chaos Mardi gras group where we help raise money for the local Arts program of Decatur AL.

(256) 275-4730

Martin Warren

Associate Agent, Commercial/Garage Keepers/Commercial Property Specialist

Grew up in Decatur, graduated from Austin High School, currently live in Priceville. Played baseball at Wallace State Community College and Calhoun Community College before moving to Tuscaloosa to continue my education at the University of Alabama. I have spent 10 years at Kilgro & Associates specializing in commercial insurance. As a lifelong resident of North Alabama, I take great pride in helping business owners in my community by providing them with insurance products that offer value and peace of mind. My weekends are typically spent on the golf course, hunting, fishing with my kids. (Lucy, 11 and Wynn, 5), and coaching my kids.

(256) 476-6066

Blake McCulloch

Sales Manager, Agribusiness Specialist

I grew up in Decatur, Alabama. I’ve been an insurance agent since 2011. I love meeting new people and forming lasting relationships. I enjoy working on our land in my free time. I also enjoy playing golf. I’m likely to be on my tractor or on the golf course if I’m not working.

(256) 867-1769

Matt Kilgro

Associate Agent, Personal Lines Specialist

Grew up in Decatur, AL. Graduated in 2007 from Austin High School and attended Auburn University. Obtained my insurance license at age 19 and have 10 years of experience in the insurance eld. I particularly enjoy helping clients with their personal insurance needs. I thoroughly enjoy developing a relationship with my clients and learning their individual needs and goals. I gain immense satisfaction knowing my clients’ present and future well-being is secure. My personal interests span a fairly wide spectrum, but I particularly enjoy discussing theological questions, political happenings, anything about the outdoors, and SEC football (with a heavy bent towards the Auburn Tigers). I couldn’t survive this life without Blue Bell Homemade Vanilla ice cream. I also have a secret love of classical music and early 1900’s jazz/blues (Duke Ellington, Louis Armstrong, Miles Davis, etc.). When I’m not working, I’m most likely with family. When weather permits, I prefer to be outside, no matter the activity.

(256) 770-7087

(256) 350-8241

439 Johnston St SE
Decatur, AL 35601

707 US Hwy 31 Ste F
Athens, AL 35611

441 N Eastern Blvd
Montgomery, AL 36117

(530) 622-1835

4016 Triana Blvd
Hunstville, AL 35805

110 Forest Ave
Luverne, AL 36049