Toni Hoy

Toni has been freelancing as an author and freelance writer for over 11 years. As a licensed insurance agent for 20 years, Toni researches and writes on all insurance topics, including property, casualty, life, health, travel, event, pet, cyber, and more.

She has previously written for People Inc., Forbes.com, USA Today, Mutual of Omaha, Healthnews, and BetterHelp.

She strives to break down complex insurance concepts to make them understandable for the everyday consumer.