The Lotts Agency is a Private Client Insurance and Financial Services Firm. It is an Independent Brokerage and a dedicated New York Life Agency. While we specialize in every type of Life Insurance need, we offer the full range of asset protection for your Business, Auto & Home . We focus on the finest Disability Insurance offerings from MassMutual, and we specialize in leveraging customized Guaranteed Whole Life products from New York Life, (the finest in the World) that can protect any size