Our Agency

Insurance is confusing. We make it better.

We are your trusted independent insurance agency.

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Your family, your business, and your possessions are all important to you, but you may not know how to best protect them. We have the experience to navigate the unique risks you face, serving as your insurance advisor.

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About Team & Total

Team & Total Insurance Solutions applies decades of industry experience to fulfilling and protecting your life objectives. We specialize in personal and business insurance policies with niche solutions in annuities and longevity risk.

When working with Team & Total, you will have a partner that is focused on your best interests. Our advisors are concentrated on building relationships and leveraging technology to create a valuable and enjoyable experience for you. With a comprehensive blend of industry knowledge, technological advances, and strong relationships, we arrive at solutions that suit your needs. Then, we stay in touch; because as your objectives evolve, so does our approach.

We Are Independent

Team & Total is an independent insurance agency. Independent agents can get you better coverage at a better price.

When you work with our independent insurance agency, you’re getting the power of choice. Our mantra is putting the interests of you, the client, first—period. From simplifying the insurance process to finding you the right coverage, here’s what makes us different.

Our Mission Statement

At Team & Total, our mission is very simple. To provide great insurance to great people and businesses.


We are a Trusted Choice agency.

As a Trusted Choice independent insurance agency, we represent a variety of companies, not just a single one. This allows us to craft solutions that fit your needs. Working with you, the client, we always provide what are known as the product illustrations, which include all the assumptions you need to know about and review.

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Get Started Today

As an independent agency, we are here to help you find the right coverage.

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Memberships and Associations



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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • Personalized insurance solutions.
  • Friendly, knowledgeable service.
  • Building trusted relationships.

Get the power of choice when it comes to finding the right insurance for your situation. We offer a wide variety of policies and price points to choose from.


Rely on us to simplify the insurance process, from advising you on your risks and solutions, to advocating on your behalf to the insurance company.


Count on us to be there for you every step of the way with personable and professional service so you always have the right coverage for your insurance needs.

Insurance Solutions We Specialize In

We specialize in a variety of coverage options to meet your unique insurance needs.

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  Visit us in Ridgewood, NJ!

Also protecting individuals and businesses in New Jersey, New York, and Connecticut.

Contact Us
Personal Insurance
Business Insurance
Employee Benefits
Life and Disability Insurance

  Request an Insurance Quote

As an independent agency, we are here to help you find the right coverage.

Get a Quote

It only takes a minute to get started.

  • Fill out the form, we’ll be in touch.
  • Go over your options with an agent.
  • Get the coverage you need.

Would you rather discuss this in person? Get in touch with an agent today!