We Are Independent

Independent agents can get you better coverage at a better price.

Team & Total is an independent insurance agency.

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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.

Reason #1
We represent multiple insurance companies.

Bringing you the right blend of price, coverage, and service is what we strive to do. By representing different insurance companies, we can provide a unique variety of policies and price points. We do the shopping so you can save and get the best possible coverage.

Reason #2
We are licensed insurance advisors.

When it comes to choosing your insurance coverage, we want you to make an informed decision. Through education and explanation of the insurance process, we simplify the complexities so you can make the right choice based on your insurance needs.

Reason #3
We are by your side every step of the way.

You’re never on your own when it comes to your insurance because we are here for you and will work with the insurance company on your behalf. We’re also dedicated to ensuring you have the coverage you need so that if you do suffer a loss, you’ll be appropriately covered.

Reason #4
We offer a wide variety of insurance solutions.

Your insurance needs are unique, your insurance coverage should be too. We’ll find the insurance solutions to fit your needs by providing a wide variety of coverage options. Protect what matters most by having the best insurance that’s not a one-size-fits-all approach.

Reason #5
We are there for you in your time of need.

Signing the dotted line is not the last step, it’s the first step of our relationship to you as our client. Whether you need to update a policy, add coverage options, or simply have a question about your insurance, we’re here to ensure you always have the right protection.

Reason #6
We are not a typical firm.

Some bill by the hour. Others receive a “fee” that may be a percentage of the assets they oversee or are fixed by agreement. Still, others may receive a commission from the companies that they place business with on behalf of the client. Some firms get compensated in more than one way. Each arrangement presents its own potential conflict. We are just here for you, no gimmicks, or upselling.

Reason #7
Service based on principle.

Although we are not engaged in comprehensive financial planning, our work with you may well provide elements of financial advice. But we do not charge a separate fee for that regardless of whether or not it involves the sale of a financial product. We do not accept trips or other perks tied to the sale of financial products.


Reason #8
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.

Reason #9
We are transparent.

The answer is transparency. Team & Total works on a commission basis. That means should our work result in the sale of a financial product; we will disclose any sales commissions that we receive from an insurance company.

About Our Agency - Overhead View Of Group Of Employees Working Together In Office

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

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

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