100% Satisfaction or Your Money Back
When you choose TCDS Insurance as your independent insurance agency of choice, you'll always have our unconditional total satisfaction guarantee. If you do not feel our team exceeds your expectations every time, simply request to cancel your policy and we will gladly refund your unused premium.


Why This Guarantee Matters
The problem with selecting an insurance agent today is that you usually don't find out how good or bad that agent is until the transaction is over and you have already purchased your insurance policy. TCDS takes the risk out with our unique Unconditional Satisfaction Guarantee program.
No Hassles
Simply request to cancel and we'll refund your unused premium
No Questions Asked
We believe our team's commitment speaks for itself
Total Confidence
We've earned your business through exceptional service
Your Shield of Confidence in the Alabama Insurance Market
Why is a written money-back guarantee so important? In the Alabama insurance landscape, promises are easy to make, but a written commitment sets a true professional apart. This isn't just a policy; it's a pledge of performance and a testament to an agency's confidence in their service. It provides you, the client, with the ultimate safety net and peace of mind. When an agency puts their guarantee in writing, they are stating that they are fully accountable for the level of service they deliver.
This commitment fundamentally changes the relationship between you and your agent. It shifts the power to your hands, ensuring the agency works diligently to exceed your expectations, not just meet them. It’s a clear signal that they prioritize long-term client satisfaction over short-term sales. In a competitive market like Alabama, where you have many choices for insurance, from large national carriers to local independent agents, this guarantee is a deciding factor. It demonstrates a belief in the quality of their own service and a willingness to stand behind it. Before you sign with any local agency in Alabama, whether in Birmingham, Montgomery, or a smaller town, consider asking about their service guarantees. The answer will tell you everything you need to know about their dedication to protecting your family and assets. At TCDS, we believe our guarantee speaks volumes about our unwavering commitment to you.
12 Questions You Should Ask Every Insurance Agent
These questions separate qualified professionals from the rest. Any insurance professional should be able to answer these with no problem.
- 1.Are you a fully licensed agency?
- 2.Do you represent multiple insurance companies so you can shop the entire marketplace to find the best protection and value for my insurance dollar?
- 3.Will I speak with a live person 24/7/365 when I call your office?
- 4.How often will I hear from you? Will I receive ongoing communication from your office, at least monthly?
- 5.Is your business A+ rated by the Better Business Bureau with a zero complaint history?
- 6.Does your agent fully explain your coverage all of the time?
- 7.Are there easy, flexible payment plans available?
- 8.Can you share with me the details of your referral program?
- 9.Is 24/7 claims assistance available from all of your companies?
- 10.Do you have an interactive website that provides everything I need 24/7?
- 11.Does your agency feature a dedicated service agent that I can build a relationship with?
- 12.Is your service 100% guaranteed in writing?
IMPORTANT NOTE: Any insurance professional will be able to answer these twelve questions with no problem. If he or she cannot, it doesn't mean that they are not a good person. It just means that maybe they are not qualified to protect you, your family and your most valuable assets.
How TCDS Answers These 12 Questions
Fully Licensed Agency
AL DOI License #3000576866
GA DOI License #206742
TN DOI License #2445535
50+ Carriers
We shop the entire market to find your best rate and coverage
Live Person 24/7
Real people answer your calls - no phone trees or voicemail
Monthly Communication
Regular policy reviews and savings opportunities
A+ BBB Rating
Zero complaints, perfect record since 2010
100% Guaranteed in Writing
Alabama's ONLY agency with a written money-back guarantee