Nathan Cressall
Agency Owner


Nate is the son of a retired educator and enjoys working with educators on a daily basis. He enjoys helping others better understand their insurance & retirement. At the age of 21 Nate picked up a book on money/finance and it started a passion for learning about all things financial. He is a cum laude graduate of Utah State University and has continued his professional education through The American College. His hobbies include travel, skiing, and doing fun activities with his family. Nate has been married to his wife Jana since 2004 and they have 4 wonderful children.

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Melissa Larsen 

Office Manager

Melissa has been with our agency since March 2016 and is an excellent addition to our Horace Mann family!  She is currently licensed in Property & Casualty and handles a lot of the customer service.  She is a mother to four wonderful children and resides in North Ogden, Utah. 

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Silvia Valentin

Licensed Producer

Silvia has been licensed in Property and Casualty since 2015 doing both sales and service. She is the youngest of many siblings and is a new mom to a wonderful son.
Silvia enjoys spending quality time with family or taking some time alone to work on her arts and crafts. She grew up in Ogden, where she currently resides.

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Kendell Clarke

Licensed Producer


Kendell comes from a family of eight, spending early childhood in the beautiful state of Hawaii. He moved back to Utah when he was 8 years old and graduated from Bonneville High School in 2019. He is currently licensed in Property/Casualty and Life insurance and handles a lot of the marketing for the agency. Kendell’s grandfather, Ron Stephens, was a Horace Mann Agent back in the day and now Kendell is carrying along that torch. Off the clock, Kendell enjoys playing Magic and D&D with his friends and brothers as well as spending time with his adorable wife, Natalie, whom he married in August of 2021.

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 Phone: 801-782-7092   

Fax: 888-310-4814  

Nate Cressall Agency


1638 N. Washington Blvd, Suite 206

North Ogden, UT 84414