Who is URL?
URL is a multi-faceted insurance products and services company serving membership associations, businesses and
consumers. Since 1986, we've kept our focus on the people who ultimately use our products. Because we know that, for
every product or service we provide, there's always a person who wants to feel safer and better protected by what we do.
That's why we say, “We're in the people business.”
Steve Clemens
Steve Clemens began his insurance career in 2000, when he joined URL Insurance Group as a Life Agent Support Specialist
and as an independent insurance agent specializing in life insurance sales. In 2007, Steve was promoted to Vice
President of Life Markets. Steve greatly enjoys building lasting relationships with his clients, as well as educating
clients on the benefits of life insurance and helping to present the best solutions to meet their insurance needs. Steve
is a proud member of the National Association of Insurance and Financial Advisors and currently serves as the President
of NAIFA Greater Harrisburg and on the board of directors.
Steve enjoys working with educators and helping them with their insurance needs. His wife, Julie, taught in the
Middletown School District for twelve years, his mother-in-law taught at Verner Elementary School in Verona, PA for 39
years and both his parents graduated from West Chester with teaching degrees. In Steve's free time, he greatly enjoys
spending time with his wife and their three children on family vacations to the beach or the Colorado Rocky Mountains.
He enjoys coaching youth baseball & soccer in local youth sports leagues, as well as playing golf, fly fishing and
cheering on Penn State, his alma mater.
Call us at 717-500-PSEA to discuss your life insurance needs, or request a consultation.
Joey Frey
Joey started in the insurance industry in 2010 as a Property and Casualty agent for Nationwide. In 2013 he transitioned
to his current role at URL as a Life Markets Specialist, specializing in life, disability and long-term care case
design.
In his spare time Joey likes to spend time with friends and family and laugh as much as possible. He also enjoys playing golf and basketball.
Call us at 717-500-PSEA to discuss your life insurance needs, or request a consultation.
Kelly Lucas
Kelly, Orion Client Services Manager, has worked in the insurance industry since 2002. She joined URL in 2018 with an
extensive work history in Medicare. She helps her clients by offering valuable insurance options. Kelly's goal is to
ensure there is a clear understanding of their insurance plans. Making a plan choice can be difficult, so she prides
herself on helping her clients in making the choice to best fit their needs.
In her spare time, she enjoys running, vacationing, and spending time with her family and friends.
Call us at 717-500-PSEA to discuss your life insurance needs, or request a consultation.
Olivia Adkins
Olivia has been in customer service and sales since 2016 and joined URL's Medicare Offerings team in 2019. She is
currently attending Harrisburg Community College and working towards her bachelor's in marketing. Her hobbies include
hiking, yoga, and baking.
Call us at 717-500-PSEA to discuss your life insurance needs, or request a consultation.