• Lindstrom Insurance


    Lindstrom Insurance wants to make your insurance shopping and use of your coverage easy! Located in Santa Cruz County, we're independent agents happy to meet with you in person or work via phone or email.

    ► Click Here to view info on Health Care Reform

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  • Services & Resources

    We offer many extra services for our clients, including Human Resources support through our "H.R. Support Center", information on what the Health Care Reform laws will mean to you, definitions of insurance terms, links to helpful websites, etc. For details, roll your cursor over the "Services & Resources" label at the top of the page and select the topic you would like.
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  • Get a Quote

    We're pleased to help you in person or with online quotes for all of your needs, from Health Insurance, Dental Plans, Life Insurance and Travel Policies to Short Term Medical plans. See the "Quotes" label above.
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At Lindstrom Insurance, our goal is to find our clients the best insurance plan (Medical, Dental, Vision, Life, Disability & Long Term Care) at the lowest possible price, help our clients understand and utilize their plans fully, and try to make the whole process fun.  Lindstrom Insurance  was established in 1995 by Betty J. Lindstrom, FLMI, RHU, FHIAS.   You should have a clear understanding of your benefits, too, in order to get the most for your money.  We strive to give you excellent service and are happy to assist with billing, administration and claims issues.  If we can make insurance fun, we’ll try to do that for you as well!

Current Customers have been pleased with the services they’ve received, and we’re proud to have been a ValueStar Certified service provider when they were in business.  ValueStar verified licensing, credit and other legal requirements, and then asked for 400 customer names and phone numbers.  After checking with customers, a business must receive at least 85% positive responses from customers to attain this Gold rating.  Our rating was even higher!

We are certified to offer plans through Covered California.  We serve clients in Santa Cruz County and Santa Clara County, including Aptos, Ben Lomond, Bonny Doon, Boulder Creek, Campbell, Capitola, Cupertino, Davenport, Felton, Freedom, Gilroy, La Selva Beach, Los Gatos, Menlo Park, Mountain View, Morgan Hill, Palo Alto, Rio Del Mar, Santa Clara, San Jose, Santa Cruz, Scotts Valley, Soquel, Sunnyvale, and Watsonville.


View our profiles:

View Betty Lindstrom's profile on LinkedIn


Lindstrom Insurance
We actually have Fourteen 5 star reviews, check the filtered reviews.

All are legitimate clients, but YELP has a crazy filer function that hides many of them.


Serving zip codes:  95001, 95002, 95003, 95005, 95006, 95007, 95008, 95010, 95012, 95014, 95015, 95017, 95018, 95020, 95030, 95040, 95041, 95043, 95044, 95050, 95051, 95060, 95061, 95062, 95063, 95064, 95065, 95066, 95067, 95070, 95076, and more!

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In the insurance business since 1975, Betty Lindstrom has held positions in the home office of a life insurance company, two agency offices, a brokerage general agency, a financial planning company, worked as a Carrier Representative and Sales Manager for AIG, managed a benefits department for a general insurance brokerage office, and established Lindstrom Insurance in 1995.

We are certified to offer Individual and Family Plans as well as Group Plans through the California Exchange website Covered CA, and SHOP.

She has earned the FLMI (Fellow, Life Management Institute), RHU (Registered Health Underwriter), FHIAS (Fellow Health Insurance Advanced Studies), and REBC (Registered Employee Benefit Consultant) designations.  These are degrees obtained after completion of a course of study involving Company Operations, Mathematics, Law, Underwriting, Claims, as well as specialty areas such as Life Insurance, Disability Insurance, Medical and Dental plans, Long Term Care, Medicare Plans, Health Care Reform, Consumer Directed Health Plans, Ethics, and Retirement Plans.

For more information about the RHU and REBC designations, contact the National Association of Health Underwriters.  Their website is http://www.nahu.org .  For information about the FLMI designation, see the Life Office Management Association at http://www.loma.org.  For information about the FHIAS, see http://www.AHIP.org .

Vicki Melendy joined the office in January of 2002 and received her Life and Disability Insurance License in April of 2002.  She has her Masters Degree in Geology from Wayne State University and is the mother of three.  She’s a talented musician, playing the piano and organ at the Soquel Congregational Church.  (Yes, she does weddings if you’re interested).

You’ll enjoy Vicki’s help with your insurance questions and selecting the right plan for your situation.  She can offer advice and research your technical and compliance questions in areas like COBRA, HIPAA, and CalCOBRA.  If you ever need help getting a claim paid or understanding your benefits, you’ll appreciate her complete knowledge of your plan and patience dealing with the insurance carriers.

Carol Lacki joined Lindstrom Insurance in 2003.  She’s married, has three grown children, and has lived in the Santa Cruz area for many years.

Carol is our office manager, providing many services including following up with insurance companies for changes requested by clients, troubleshooting claims, investigating premium discrepancies, etc.  You’ll appreciate her diligence as she works with the insurance companies to see that your requests are handled correctly.  If you need a prompt answer to a service question, a form or benefit description sent to you, wish to schedule an appointment, or almost anything else, Carol is in the office to help.


Royal Flush’s Lord Albert Neville


Our newest addition to the team in 2019, Neville our Newfoundland puppy offers emotional support at this point and will become our chief of Security when the Pandemic ends. 






Yes, that really is a white tip on his tail!







In memorial….
Sir Nigel of Seabrook
was our office mascot and Chief of Security.  He’s a ten year old Newfoundland dog and provides comic relief for stressed brokers and clients.  His professional credentials include passing three levels of obedience training (although we think the last advancement was a social promotion based on his size).  Unfortunately, Nigel passed away in August, 2010.  He is missed by all of us.

Since his diagnosis of Lymphosarcoma (Cancer) in March of 2002, and the treatment that followed, he was very aware of the need for preventive care and rapid claims processing.  He was  a very compassionate listener and was happy to help you through your stressful times.  Unfortunately, he does not read emails well and types poorly, so we advise clients and friends to communicate in person wherever possible.

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