About Torgersen Causey Insurance & Benefits

Find out why our clients in Pensacola and beyond stay with us

A health insurance agency you can rely on

Torgersen Causey was founded in 2001 by insurance experts passionate about making it easy for clients to obtain, understand, and utilize the coverage that fits their needs, goals, and budget. Whether you need individual medical coverage, comprehensive insurance plans for your business with over 5,000 employees, or corporate plans to maintain your business in the event of a death or disability, you can trust Torgersen Causey to simplify the complex world of insurance for you. Our combined experience of almost one century is at your service, so you can rest easy knowing you, your employees, and your business are in good hands.

Image of Todd Torgersen, Anna Barbee Causey, and Reid Torgersen at a desk

Why choose us to help with your insurance?

We’re with you for the long haul.

You’re not just a number to us because we’re not all about sales. We’ll work to build a long-standing, mutually beneficial relationship, wherein we can deliver comprehensive medical insurance services with transparency. Our experts also stay abreast of the latest insurance changes and make sure your needs, goals, and assets are always covered, so you never have to worry. With our vast industry experience, we understand the client journey completely, and better than any other provider, so you can expect superior products and services.

For over 20 years, our reputation speaks for itself

“We’ve had our benefits through Torgersen Causey/Combined Insurance Services for the better part of two decades. The emphasis they place on educating our team members on their plans and wellness has proven to be very helpful to our entire organization. Their team is always ready to assist and they work hard to proactively identify issues and possibilities for our group. Torgersen Causey also works hard to provide tools that keep us compliant with regulations and legislation such as the Affordable Care Act. They come highly recommended from the team at Arc Gateway.”
Missy RogersCEO
ARC Gateway
“Torgersen Causey has always given me great customer service in all areas. It’s great to be able to call a firm and get the answers you need! I made a huge mistake a few years back and moved to another agency. This was the worst mistake I’ve made in business in a long time. The company I decided to do business with could not deliver the level of customer service and attention to detail that Torgersen Causey delivered. I highly recommend Torgersen Causey!”
Neal StewartCo-Owner
RV Connections
“I’ve worked with Cherie MeGuess for my personal health insurance coverage and she’s always available by any means of communication I use, always friendly and always responsive! Even when I was with a company that offered me a group plan and I wasn’t using Cherie, she never hesitated to answer any question I had. She’s my go-to expert!”
Jessica SimpsonVP of Membership & Operations
Greater Pensacola Chamber
“My wife and I have worked with Courtney Peterson and Torgersen Causey for our personal insurance and have always received exceptional service. Courtney provided a thorough explanation of our options, helped us find plans that best fit our needs and made the enrollment a smooth process. His follow-up and attention to detail were very much appreciated.”
Mike WigginsFormer Mayor, Pensacola
“The team at Torgersen Causey have gone above and beyond when partnering with us to achieve our goal of providing value back to our team members. They listen, are responsive to our needs, and are a true partner who also helps educate us along the way. We could not be more thrilled with the results they have delivered, which is reflective in the feedback we get from our team members, in addition to the results of our retention efforts.”
Scott GinnettiVP of Transformation & People
IRIS - Intelligent Retinal Imaging Systems™
“The staff at Torgersen Causey are true professionals. They are very responsive to our needs and their customer service is top-notch! We would not trust anyone else with our benefit administration.”
Candice Miller, PHR, SHRM-CPHuman Resources Director
Pensacola Blue Wahoos | Double-A Affiliate of the Minnesota Twins
“Reid, Anna and Lissa have been instrumental in forming and maintaining a quality insurance package for our staff members. The promptness in which they answer questions and respond to feedback is commendable. We view our relationship with Torgersen Causey as a true partnership and wouldn’t have anyone else as our benefit agent.”
Sandi BreitlingBusiness Manager
Aletheia Christian Academy
“It has been a pleasure working with the team at Torgersen Causey. They always have our back and are responsive when we have questions. We highly recommend their agency to businesses looking to build a benefits package for their employees.”
Joi BaxterOperations Manager
Brownsville Welding
“It is a pleasure to work with the staff at Torgersen Causey. They are true professionals who are always available to help us with what is needed. I would recommend this agency to any business looking for quality benefits to offer their employees.”
Kim TilkaController
Coastal Moving & Storage and Pensacola Moving & Storage
“Torgersen Cauesy has been our insurance firm since 2005. They have assisted our organization in designing, administering and maintaining a competitive benefit package during one of the most tumultuous insurance periods that I have experienced. Working with them is not only pleasure, but it is a relief as I do not have to worry about our benefit package and all the associated regulations that go along with it.”
Steve DunnAdministrator
Gastroenterology Associates
“Reid and Lissa at Torgersen Causey have helped us maintain a health insurance plan to help with the retention and attraction of current and new employees. They are always there to take our calls and to help with any questions we may have. Reid also takes the time to speak with our staff individually or on a group level to educate them on their benefits. We would certainly refer them to any business in Pensacola that is in need.”
Casey LittleOffice Manager
Bear General Contractors
“Anna and Todd and their team provide world class service to our multi franchise dealerships. They have always scoured the market for the best possible rates for our employees. They are always available to talk to our employees about their specific situations and be a liaison between the employee and the carrier when questions arise. I could not possibly manage over 600 employees in 3 different states without Torgerson Causey. Their team makes navigating the ever changing world of employee benefits easy to do.”
Jacquie GrayDirector HR, Loss & Risk Management
Sandy Sansing Automotive
“When we started the brewery 10 years ago, we wanted to offer health insurance options to our employees and needed to find the best assistance possible so that we could focus on building our business. Torgersen Causey agency has provided us with exceptional service all along the way, providing us with options and always available to answer questions. Their response time is superb and all employees exhibit top notch customer service skills.”
Jenna EcklandPensacola Bay Brewery
“We’ve had our benefits through Torgersen Causey/Combined Insurance Services for the better part of two decades. The emphasis they place on educating our team members on their plans and wellness has proven to be very helpful to our entire organization. Their team is always ready to assist and they work hard to proactively identify issues and possibilities for our group. Torgersen Causey also works hard to provide tools that keep us compliant with regulations and legislation such as the Affordable Care Act. They come highly recommended from the team at Arc Gateway.”
Missy RogersCEO
ARC Gateway
“Torgersen Causey has always given me great customer service in all areas. It’s great to be able to call a firm and get the answers you need! I made a huge mistake a few years back and moved to another agency. This was the worst mistake I’ve made in business in a long time. The company I decided to do business with could not deliver the level of customer service and attention to detail that Torgersen Causey delivered. I highly recommend Torgersen Causey!”
Neal StewartCo-Owner
RV Connections
“I’ve worked with Cherie MeGuess for my personal health insurance coverage and she’s always available by any means of communication I use, always friendly and always responsive! Even when I was with a company that offered me a group plan and I wasn’t using Cherie, she never hesitated to answer any question I had. She’s my go-to expert!”
Jessica SimpsonVP of Membership & Operations
Greater Pensacola Chamber
“My wife and I have worked with Torgersen Causey for our personal insurance and have always received exceptional service. They provided a thorough explanation of our options, helped us find plans that best fit our needs and made the enrollment a smooth process. Their follow-up and attention to detail were very much appreciated.”
Mike WigginsFormer Mayor, Pensacola
“Reid, Anna and Lissa have been instrumental in forming and maintaining a quality insurance package for our staff members. The promptness in which they answer questions and respond to feedback is commendable. We view our relationship with Torgersen Causey as a true partnership and wouldn’t have anyone else as our benefit agent.”
Sandi BreitlingBusiness Manager
Aletheia Christian Academy
“It has been a pleasure working with the team at Torgersen Causey. They always have our back and are responsive when we have questions. We highly recommend their agency to businesses looking to build a benefits package for their employees.”
Joi BaxterOperations Manager
Brownsville Welding
“Torgersen Cauesy has been our insurance firm since 2005. They have assisted our organization in designing, administering and maintaining a competitive benefit package during one of the most tumultuous insurance periods that I have experienced. Working with them is not only pleasure, but it is a relief as I do not have to worry about our benefit package and all the associated regulations that go along with it.”
Steve DunnAdministrator
Gastroenterology Associates
“Reid and Lissa at Torgersen Causey have helped us maintain a health insurance plan to help with the retention and attraction of current and new employees. They are always there to take our calls and to help with any questions we may have. Reid also takes the time to speak with our staff individually or on a group level to educate them on their benefits. We would certainly refer them to any business in Pensacola that is in need.”
Casey LittleOffice Manager
Bear General Contractors
“Anna and Todd and their team provide world class service to our multi franchise dealerships. They have always scoured the market for the best possible rates for our employees. They are always available to talk to our employees about their specific situations and be a liaison between the employee and the carrier when questions arise. I could not possibly manage over 600 employees in 3 different states without Torgerson Causey. Their team makes navigating the ever changing world of employee benefits easy to do.”
Jacquie GrayDirector HR, Loss & Risk Management
Sandy Sansing Automotive
“When we started the brewery 10 years ago, we wanted to offer health insurance options to our employees and needed to find the best assistance possible so that we could focus on building our business. Torgersen Causey agency has provided us with exceptional service all along the way, providing us with options and always available to answer questions. Their response time is superb and all employees exhibit top notch customer service skills.”
Jenna EcklandPensacola Bay Brewery
"Torgersen Causey has helped us provide an excellent package of benefits to stay competitive in the labor market. They are very thorough in how they handle service requests from our team members, but they are also very friendly and quick to pick up the phone when I call. We consider our relationship with Torgersen Causey a true partnership and would recommend them to any business in need of an employee benefits consultant."
Chris DixonGeneral Manager
Coastal Machinery Company

"Partnering with Torgersen Causey has been a game changer for us in delivering the best health care solutions to our people. Their people are friendly, helpful, and always quick to respond. When calling their office, one of their team members will pick up after a ring or two, without having to go through any sort of automated system, which is a great benefit to our need for easy access and value of our time.

When we switched over to Torgersen Causey, they made the transition transparent, easy to understand for everyone (not just the administrators) and informed our whole team of the nuances of each health plan. In their presentations, Reid and his team have demystified an otherwise opaque health system and have provided an extra level of attention for our people when special circumstances arose.

Torgersen Causey is accessible, responsive and caring. I could not imagine a better healthcare partner for the Team at ARCO Marine."

Ben StoddardCEO
ARCO Marine