Meet Our Team

We are committed to offering you the OBJECTIVITY of
experts and the WARMTH of caring professionals. Our Mission
is to ensure you enjoy the kind of peace of mind that changes
lives.

Michael J Payne

Founder & Principal Agent

With over four decades of experience in the insurance industry, Michael has dedicated his career to helping individuals and families protect what matters most. After graduating from St. Mary’s College of Maryland, he quickly discovered his passion for client-focused service, and founded the agency with a mission to offer personalized insurance solutions backed by trust, knowledge, and integrity.

Born in Washington D.C. and raised in Southern Maryland, Mike brings a strong sense of community and connection to his work. He takes pride in building long-term relationships with his clients and guiding them through every step of their insurance journey.

Outside the office, he enjoys spending quality time with his family—especially during their traditional weekend crab feasts. He’s also an avid fan of sports, fishing, and staying active

301-921-7800

Marisol Cardona

Agency Director

Marisol Cardona serves as the Agency Director and driving force behind our team. With extensive experience across all areas of insurance personal, commercial, and life—she leads the agency with a deep commitment to service, integrity, and long-term client relationships.

Known for her calm leadership and clear strategic vision, Marisol guides a team of skilled professionals while personally ensuring that every client receives thoughtful, customized solutions. Her bilingual background allows her to connect with a diverse community, offering clarity and confidence to both English- and Spanish-speaking clients alike.

Originally from Medellín, Colombia, Marisol brings a rich background in business management and accounting, combined with an intuitive sense of people and purpose. She believes that every policy should be more than a transaction—it should be a tool for peace of mind and protection for what matters most.

Outside the office, Marisol maintains a disciplined balance between personal growth and well-being. She values time with her family, reading and the practice of yoga. Her leadership is grounded in consistency, clarity, and a deep sense of responsibility toward those she serves—qualities that define both her professional path and her personal principles.

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Emily Fernandez

Personal, Commercial & Life Insurance Agent

Emily joined our agency in 2018 and has become a key member of both our personal and commercial insurance teams. With a strong foundation in client service and a background in the medical field, she brings precision, empathy, and professionalism to every interaction. What she enjoys most about her role is building meaningful relationships with clients—understanding their lives, priorities, and helping protect what matters most to them.

Originally from Lima, Peru, Emily brings a warm and multicultural perspective to her work. Before entering the insurance industry, she spent six years working in Pediatrics, where she developed a strong sense of care, attention to detail, and trust-building—skills that now
strengthen her role as an agent.

Known for her reliability and client-first mindset, Emily is an essential part of our agency’s day- to-day operations and growth. Outside of work, she enjoys spending time with her husband and their three daughters, discovering new places together, and creating unforgettable family memories.

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Ana K. Pascal

Commercial Lines Specialist & Licensed Life Insurance Agent

With over 15 years of experience in the insurance industry, Ana Rodríguez is a vital member of our team, bringing a wealth of knowledge and professionalism to both Business and Life Insurance. She is known for her ability to resolve complex issues—from navigating insurance audits and rate adjustments to offering clear, strategic advice to clients and colleagues alike.

Ana has been part of our agency since 2008 and has played a central role in supporting the Hispanic community with personalized, reliable insurance solutions. Her dual expertise in commercial lines and life insurance allows her to provide well-rounded protection tailored to each client’s needs.

Originally from Montevideo, Uruguay, Ana moved to the United States in 2001 and has remained deeply connected to her roots. She regularly participates in First-Time Homebuyer and Small Business seminars, offering guidance on Homeowners and Business Insurance to help others make informed decisions.

Outside of work, Ana enjoys traveling, camping, Zumba, spinning, and spending quality time with her family during cookouts. She’s also passionate about personal growth through audiobooks and podcasts. A dedicated community member, Ana contributes to the Gaithersburg- Germantown Chamber of Commerce and the Maryland Hispanic Chamber of Commerce.

301-921-7800

Jacqueline Martinez

Personal, Commercial & Life Insurance Agent

Jackie Martínez has been a dedicated member of our agency since 2014, bringing over a decade of experience in the insurance industry. She works across both personal and commercial lines, and is also a licensed expert in Life Insurance. Her strength lies in conducting detailed one-on- one needs assessments, helping clients find the right coverage to protect what matters most—now and into the future.

What Jackie values most in her role is building strong, personal relationships with clients. She thrives on meaningful conversations and makes it a priority to offer guidance that is clear, thoughtful, and tailored to each situation. Her goal is simple: to ensure that, in times of emergency, her clients are not only protected—but truly prepared.

Born and raised in Rockville, Maryland, Jackie proudly serves the DMV area with deep community roots. When she’s not at the office, she’s spending quality time at home with her two daughters—her greatest joy and motivation. For Jackie, family is everything—and that care extends naturally into the way she supports each client.

301-921-7800

Beatriz Ruiz

Bilingual Client Services Specialist

With over five years of experience in the insurance industry, Beatriz plays a vital role in our agency’s daily operations. As our lead bilingual client specialist, she provides thoughtful, efficient, and organized support to our Spanish-speaking clients—always with kindness and
respect. Her dedication and reliability make her an essential part of our team and a trusted point of contact for our community.

Originally from Colombia, Beatriz brings not only professional discipline but also warmth and compassion to her work. She holds a degree in nursing and naturally blends her background in care with her passion for service.

Outside of work, she finds joy in gardening, interior decorating, and staying centered through yoga and meditation. Most of all, she treasures time with her family, whether it’s a day at the park, a walk on the beach, or simply being together at home.

(301) 921-7800
At Payne Insurance Agency, our mission is to provide expert guidance with the warmth of trusted professionals. We are committed to delivering clear, objective advice—paired with genuine care—so that every client experiences the peace of mind that comes from being truly protected.

841 Quince Orchard Blvd
Ste. J
Gaithersburg, MD 20878

1100 W Patrick St Unit C Frederick, MD 21703

3600 14th St. NW Washington, DC 20010

(301) 921-7800

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