Frances is called the CEO of First Impressions because she is normally the first person you get to meet when you come into FMG.  She is FMG's office manager for over 20 years.  All life and health applications plus all mail go through her office and she is tasked with making sure all applications are complete and sent to the correct business office.  She helps with claims on both the life and health insurance side often times calling the NC Insurance Commissioner's office to help clients who have old policies that have now been bought by other companies.  Most of the service work falls on her desk including beneficiary and bank changes.  She has two daughters; Elizabeth Hemenway and Cindy Chory and  three grandchildren, Marisa and Lauren Hemenway, and Josh Chory.  When ask why she is still working the official reply is, "I still like jam on my bread" but it is really because she dotes on her grandchildren.  Frances lives in Pasquotank County.