Meet Our Insurance Team!
Meet Our Insurance Team!
Kelli Toland – Owner/Partner
Insurance Advisor - Employee Benefits
Kelli brings three decades of Employee Benefits expertise to the employers she serves. Known for her thoughtful, solutions-driven approach, she helps businesses clarify complex options and choose coverage with confidence.
She works closely with reliable carriers to create benefit solutions that fit your business and take care of the people who keep it running. Her clients know they can count on her for honesty, expertise, and unwavering commitment to doing what's best for their employees.
Kelli Toland – Partner
Insurance Advisor - Group Market
Recognized throughout the years for her outstanding contributions to delivering the best insurance experience for individuals and groups, Kelli uses her 30 years of insurance and administrative experience to ensure an easy insurance process. With years of experience and countless insurance and leadership under her belt, Kelli is sure she will provide the best and affordable coverage for you or your employees.
Janna Tully – Owner/Partner
Insurance Advisor - Medicare Market
Nearly 40 years experience in the Insurance world, Janna brings a rare blend of knowledge and genuine heart to the Medicare Market.
Janna has helped thousands of clients across middle Georgia navigate Medicare with clarity and compassion. She believes healthcare choices should feel personal and she has built her reputation as a trusted advisor by doing what is right for every client she serves. Janna is also recognized as the Agency's go to expert for Life, Disability, and Long-Term Care coverage. She is committed to the community and the people in it, and this is at the core of everything she does.
Janna Tully – Partner
Individual Sales & Marketing Manager
With over 35 years of insurance experience, Janna covers a wide range of our individual products. From Medical and HSA to Short term, dental, and life insurance, Janna covers these departments effortlessly. Licensed for Life & Health, Property & Casualty, and AHIP certified, she uses her knowledge and expertise to get you the best coverage for the best price.
Janna Tully – Partner
Insurance Advisor - Medicare Market
With over 35 years of insurance experience, Janna covers a wide range of our individual products. From Major Medical to Short term, dental, and life insurance, Janna covers these departments effortlessly. Licensed for Life & Health, Property & Casualty, and AHIP certified, she uses her knowledge and expertise to get you the best coverage for the best price.
Sandi Culberson
Insurance Advisor - Client Services Specialist
Sandi delivers first-class customer service with a level of care and attention that sets our agency apart. Her extensive background in administration, billing, and claims makes her an invaluable resource for clients who need clear answers and dependable support.
As a licensed Life & Health agent, Sandi is fully equipped to guide individuals through their coverage options, address questions accurately, and troubleshoot issues with confidence. Whether you need help navigating a claim or trying to understand your benefits, Sandi ensures you receive timely, knowledgeable service every step of the way.
Kelsey Smith
Insurance Advisor - All Markets
As a licensed life and health advisor, Kelsey joined our team in 2013. Assisting in sales and marketing through the quoting process to plan decisions and designs, Kelsey is also head of our Special Projects Initiative, which works to keep our Heart of Georgia the top choice for all your insurance needs.
Sandi Culberson
Customer Service Coordinator
Insurance Advisor - Individual Market
Providing excellent customer services before and after every appointment, Sandi uses her 26 years of administration, billing, and claims to be an excellent resource for your insurance needs. As a licensed Life 7 Health agent, she can use her knowledge of individual plans and group plans to answer questions accurately and troubleshoot any problem you may have.
Kelsey Smith
Insurance Advisor - Employee Benefits and Medicare
Kelsey joined Heart of Georgia Insurance Brokers in 2013 and quickly earned her Life & Health license, bringing accuracy and a client-first mindset to every interaction. She guides clients through the quoting process with care and takes pride in finding coverage that fits each unique situation.
Experience in both Employee Benefits and Medicare allows Kelsey to guide clients through the quoting process with clarity and practical insight. She helps individuals and businesses choose coverage that fits their needs and supports confident decision making. In addition to her Advisor work. she leads our Special Projects Initiative and manages the agency's social media presence, keeping Heart of Georgia Insurance connected with the community.
Kelsey's steady approach and commitment to clients and agents makes her a valuable part of our team.
Caroline Letson
Insurance Advisor - Individual Markets
Caroline is our newest Insurance Advisor who brings fresh energy, professionalism, and a genuine passion for helping others. Even early in her carrer, she has shown a strong committment to client service and a natural ability to make the insurance process feel approachable and stress-free.
She is dedicated to learning every aspect of the Individual Market and is quickly becoming a valuable resource for clients seeking clear guidance and dependable support. Caroline looks forward to building lasting relationships and helping individuals find coverage that truly fit their needs.
Kelsey Smith
Insurance Advisor - All Markets
As a licensed life and health advisor, Kelsey joined our team in 2013. Assisting in sales and marketing through the quoting process to plan decisions and designs, Kelsey is also head of our Special Projects Initiative, which works to keep our Heart of Georgia the top choice for all your insurance needs.
Caroline Letson
Insurance Advisor - Individual & Medicare Markets
Caroline is a newly licensed insurance agent who recently joined our team. With a strong commitment to client service and a passion for helping others, Caroline is excited to begin this next chapter in the insurance industry. She looks forward to building lasting relationships and guiding clients toward the right coverage to meet their needs.
Need more information about us? Call us on
(478) 745-4741 to speak with one of our experts.
