L&I INSURANCE: PROTECTING FAMILIES WITH INTEGRITY

At L&I Insurance Solutions, the mission is clear: to protect families against inaccurate coverage, high premiums, lack of service, and lack of knowledge.

Founded on the principles of integrity, personal service, and client education, L&I is dedicated to their clients, ensuring that they receive the best possible protection and support. L&I Insurance Solutions was born from a shared vision between Joe Hardesty of Integrity Insurance Advisors LLC and Matt Sturgeon of Legacy Benefits Services LLC. Joe incorporated his agency on September 25, 2013, opening its doors on October 15 of the same year. Matt followed suit in 2017. The two companies merged on May 1, 2023, creating L&I Insurance Solutions. This partnership has enabled them to serve clients across 32 states with a growing team of over 20 dedicated staff members.

The collaboration was not merely a business decision; it was a natural progression and a shared mission. Both Joe and Matt believe in treating clients like family, offering personalized service, and comprehensive insurance solutions that address real-life challenges. Together, they actively foster relationships with their clients built on trust and support and continuously strive to deliver excellent customer service.

The Importance of Accurate Coverage

A pillar of L&I Insurance Solutions is ensuring clients receive accurate coverage. This was underscored by a poignant experience Joe had with a client who came to him after a tragic accident. The client, referred by an attorney, was underinsured with state minimum coverage that would not protect her against potential millions in litigation. This encounter highlighted the dangers of falling for predatory sales practices that prioritize cost over adequate protection.

At L&I, providing clients with the right coverage to safeguard their assets and wellbeing is at the forefront of their business. The team takes the time to assess each client’s unique situation, ensuring they have policies that truly reflect their needs. Their goal is to prevent families from facing the devastating consequences of insufficient coverage.

The Complex World of Insurance

Navigating the world of insurance can be scary, and families find themselves overwhelmed by the many options available. Understandable, because it is complex! That’s where L&I’s emphasis on client education comes into play. The agency believes that informed clients are empowered clients. During consultations, the team prioritizes clear communication, explaining the ins and outs of policies and coverage options in layman’s terms.

L&I’s agents don’t just sell policies; they act as advocates, guiding families through their insurance journey. They welcome questions, making sure that clients fully understand their options and the implications of their choices. This commitment to education helps families make decisions that best suit their needs rather than simply opting for the cheapest option available. Cheaper isn’t always better, especially when it comes to protecting everything you’ve worked for.

A FAMILY-CENTERED APPROACH

At the heart of L&I Insurance Solutions lies a dedication to personal service. The team recognizes that insurance isn’t just about policies; it’s about people—real families with hopes, dreams, and challenges. When clients walk through the doors, they are greeted with a friendly welcome. The staff goes above and beyond to ensure that every interaction is positive and enriching. L&I strives to build long-lasting relationships, treating clients like family rather than just policyholders.

This commitment to service extends beyond the initial consultation. When life’s unexpected challenges arise, such as accidents or natural disasters, the L&I team is there to support clients every step of the way. They assist with claims, provide guidance, and offer a comforting presence during tough times. Whether helping a family recover from a storm or being there in a hospital room, this agency believes in showing up for clients when they need it most.

As the agency continues to grow, its mission remains unchanged: to protect families. L&I is proud of its roots and the legacy it is building together. With combined expertise in home, auto, health, life, and commercial insurance, the agency provides a comprehensive suite of services that meets the diverse needs of its clients, and they can count on L&I for all their insurance needs, knowing they have a dedicated team looking out for their best interests.

L&I Insurance Solutions is more than just an insurance agency; it is a family committed to protecting yours. The agency’s dedication to accurate coverage, client education, personal service, and competitive pricing sets it apart in the industry. L&I invites families to join them in this journey of security and assurance, where “We protect your LEGACY with INTEGRITY.” When clients think of L&I Insurance Solutions, they can rest assured that their most cherished loved ones and belongings are safeguarded.