Jim is an independent, nationally licensed health and life insurance broker - owner of Jim Carroll & Associates LLC, a Certified Veteran-Owned Small Business, backed by the power of USA Benefits Group. Before becoming a broker, Jim spent more than 21 years as a higher education leader, college instructor, and consultant, optimizing academic operations and curriculum strategy to increase retention, student completion rates, and faculty development, all while earning a PhD in Organizational Leadership. As a US Air Force veteran and small business owner, he leverages his diverse background, passion for education, and helping others in his current role to navigate clients through the complexities of health and life insurance.