Affordable American Insurance is led by some of the most knowledgeable, friendly, passionate insurance experts in Colorado. Meet our leadership team.


Tony Fernandez

Chief Executive Officer

“Insurance agents have a huge responsibility. How we present insurance products and offer available coverage can change someone’s life.”

Tony Fernandez has worked in the insurance industry for 25 years. He started selling insurance in 1996 with a life and health company. After that, he became an American Family agent. In 2004, having lost hope in captive insurance agencies, he founded AAI to help people get the coverage they need at a price they can afford. Tony is passionate about helping people. In addition to insurance, he invests time and resources helping children in the Dominican Republic and Haiti by sending medical supplies and equipment to local hospitals.


Chris Fernandez

Chief Operations Officer

“I’m dedicated to all of our agents, to make sure they have the best tools available so that they can make fast better decisions and become better business owners. ”

Chris Fernandez has worked in Affordable American Insurance since it started. During those year Chris has developed tools for Affordable American Insurance that has put the company at the forefront of technology in the industry.


Lissa Fernandez

Vice President

“I am a matchmaker; there is a perfect policy that matches our client’s lifestyle. Finding it can sometimes be difficult but I am always ready for a challenge.”

Lissa Fernandez started in the insurance industry in 2000. In 2004, she and her husband, Tony, fed up with sending desperate people away, decided that the captive insurance industry was not for them. She and Tony founded AAI in 2004. In addition to insurance, Lissa is the mother of two boys, Stefan and Chris.


Victor Rivero

Vice President of Operations

“I’m dedicated to all of our agents, to make sure they have the best tools available so that they can make better decisions and become better business owners. ”



Vice President, Corporate Revenues

“Insurance is a very important part of our economy, providing security to our citizens’ assets.”

Before joining AAI, James Switzer served as a U.S. Navy officer in cryptology and intelligence for 25 years. He has served in Spain, Italy, Canada, and Japan. After retiring from the Navy, he worked in the Accounting Department of the Regional Transportation District and then as Office Manager for Kelly’s Excavating. He joined AAI in 2007.