"I don't believe in excuses; if there's a challenge ahead of me, I just keep digging until I find the solution." (Photo: Jonah Light Photography)

Donny Woo has more than 30 years' experience as an insurance broker in California, a state known for leading the way in both industry innovation, and in regulation. "Things constantly change in America, especially in California," Woo says. "Every time there's a new law in American it seems like it starts in California."

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