As is often the case in the world of personal sales, Liberty Mutual's Nanette Sario met Eileen and Ramon Reyes through a mutual friend, and that was eight years ago.

A personal sales representative out of Pleasanton, Calif., Sario sold the Reyes renters' insurance in 1994, and has since moved on to home, auto and life insurance. "Like Eileen, I'm married with two children, so I can easily identify with the changes they experience as a family," she said. "Personal insurance is not a once-and-done product. Peoples' lives constantly change, and their insurance coverage needs to be expanded and adjusted accordingly. For example, I just added their daughter Shenna to their auto insurance policy."

"In today's world, where you never seem to have a moment to yourself, it's nice to have someone like Nanette," said Eileen, an IT project manager for a major corporation. "Both Ramon and I – he's a residential realtor – are very busy, and it's easy to forget the basic necessities, like insurance. That's why we're so grateful that Nanette checks on us from time to time, just to make sure we're covered appropriately.”