L-Young's Insurance Agency, LLC.

Over the past 25 years, We have had the privilege of running our own insurance brokerage agency as well as working for a national captive agency. With this experience, we understand the internal workings, processes and understand the perceived differences between the two.

Oftentimes, our owner Lummie Young has been asked What is the difference between a brokerage and captive agency? Any agency, brokerage or captive can provide you with access to multiple insurance products, offer top compensation, claim to be the best in underwriting, service and more. As an independent insurance brokerage we do have the advantage of being able to shop multiple companies to put together packages that otherwise may not be possible at a captive agency. However, these points do not truly differentiate any firm from another.

In our opinion, what differentiates one agency from another can be boiled down to one word relationships. In today’s market, the size of the firm has a much smaller bearing than the relationship you have with your contacts at the agency. Let’s face it, we don’t do business with a company name, we do business based off arelationship that has been built over time with another person.

Essentially, we all want to be treated like we matter, because you do. We at L-Young’s Insurance Agency, LLC have a culture of building long lasting relationships with our agents/advisors.
So, Mr. Young’s answer is quite simple, it comes down to “relationships”.

We have been serving our clients of Bellaire and the entire great state of Texas since 1978. We look forward to serving you and anyone else who wants to join our family for years to come.