Our Team 2016


As we head into another busy season, we thought it may be beneficial to provide you with an update of our amazing Team!  All of these fabulous and knowledgeable Brokers are eager and ready to assist you with your insurance needs:


Larry Costen, CAIB – CEO / Founder

Larry began his career in the financial services sector in 1981 and after achieving a Business Diploma at SAIT, he established Costen & Associates in 1987 to provide full service products to his clients. Larry spends the majority of his time networking and building the business, and his spare time is spent riding his motorcycle to anywhere and everywhere!

Larry Costen





Crista Costen, CAIB – Owner / President

Crista has been with Costen & Associates since July 1998 and completed a Finance Degree at Mount Royal College in 2006. As a mom of three boys, Crista balances her busy schedule between her family and focusing on marketing, customer-orientated programs, and growing and developing the business!

Crista Costen




Andrew Shareski, CAIB – Office Manager

Andrew has worked with Costen & Associates since June of 2007 and has been the Office Manager since 2009. He focuses on auto, property, recreational, commercial, and travel insurance. In his spare time Andrew enjoys spending time with his wife and three children, playing guitar, and cheering for the Vancouver Canucks (sorry Flames fans).

Andrew Shareski






Kristel Wilson, CIP – Insurance Broker

Kristel joined the Costen and Associates team May 2010. She completed her Chartered Insurance Professional designation in 2008 and has been in the insurance industry since 2005. Currently she focuses on auto, home, and motorcycle insurance, with some health and accident insurance. In her spare time, she enjoys books, movies, and she is also a registered “Supernatural” fanatic.
 Kristel Wilson




Arvind Pandher – Insurance Broker

Arvind joined our team in May 2015 and is currently completing a Bachelor of Commerce Degree in Risk Management (Insurance and Finance).  He is a huge basketball fan and also loves to play poker. When he is not busy with work and school, Arvind enjoys spending time with his friends and family.








Cory Vanderjagt – Insurance Broker

Cory is the newest member of the Costen & Associates team, joining us in October 2015.  Cory has been in the industry since 2008 and recently made the move to Calgary from Edmonton. In his spare time, Cory enjoys spending time with his friends and playing gigs with his band.




Karen Sandeman – Accounting / Insurance Broker

Karen has been in the insurance industry since 1977 and previously owned Glenmore Insurance Brokers Ltd for 21 years. In her spare time she has volunteered at Heritage Park for over 20 years. Her other interests extend to traveling the world, cooking, baking, bridge, golf, her dogs & cat, and spending time with friends and family.

 Karen Sandeman







Nirmal Lombsar – Producer

Nirmal joined the Costen & Associates team as a producer in July 2007, focusing mainly on auto, property, travel, and commercial insurance. She enjoys her time with her family and building her business and developing relationships with her clients.

 Nirmal Lombsar




With a background in teaching, journalism and IT, Pammi joined the Costen & Associates Team in December 2009 and she is focusing on building her business with trust and service. She is also interested in media and hosts an evening radio show in her spare time. Pammi also enjoys yoga, music and reading and most importantly having quality time with her son, family and friends.


Lloyd Keating – Financial Advisor

Lloyd joined Costen & Associates in January 2010 as a Financial Advisor and brings over 25 years of experience to the team. He focuses on Life, Disability, Critical Illness, and Long Term Care Insurance, as well as Investments. In his spare time, Lloyd enjoys spending time with his family, camping, fishing and golfing.

 Lloyd Keating


Trae Ashlie-Garen – Business Coach

Trae has been the Company’s business coach since 2005 and works one-on-one with Larry, Crista, and Andrew. Her passion is to encourage and strengthen the team through building and improving systems, and organizing team building exercises and events. Trae has also recently launched her own website which can be viewed here. In her spare time Trae enjoys spending her time traveling!

Trae Ashlie-Garen






Thank you and our Team looks forward to serving your insurance needs for years to come!

Happy 2016,

The Costen & Associates Team