Who Are We?
"#1 Insurance Choice for Illinois. America's Trusted Homebuyers’, Homeowners’, and Auto Experts."
At L&T Agency Group Inc., we believe protection starts with people.
For over 40 years, our mission has been simple: to protect what matters most to families and communities across Illinois and across the United States. Backed by more than 500 years of combined industry experience in insurance, real estate, and related fields, our team brings unmatched knowledge and heart to every interaction.
We’re proud to be recognized as Illinois’ #1 homeowners’ insurance agency and America’s #2 choice, currently trusted to protect nearly 36,000 homes across the state. But behind the numbers is what truly matters—our commitment to doing the right thing, every time, for every client.
At L&T, we don’t just sell insurance. We architect complete protection strategies that are customized to your unique needs—whether you’re buying your first home or a new car, growing your family, or preparing to leave a legacy. We work hard to ensure every plan offers real value, real peace of mind, and real support when life happens.
Our clients are our neighbors, and our work goes beyond policies. That’s why we believe in a high-tech, high-touch approach—blending the best of technology with personal care, so you always feel informed, empowered, and never alone.
We also believe in building a circle of trust—centered on:
Expertise you can rely on
Complete in-house care
Transparent value
A trusted network of professionals who do right by you
Whether it’s through expert bundling, personalized advice, or simply being there when you need us most, we’re honored to walk alongside you every step of the way.
L&T Agency Group Inc.—Protecting People, Building Legacies, and Strengthening Communities.
Meet L & T
Craig Takaoka, Agency Owner
Joe Levato, President
Four decades ago, Craig Takaoka and Joe Levato shared a bold vision: to build the #1 insurance agency in Illinois. What began as an ambitious idea between two partners has evolved into a remarkable success story that continues to unfold today.
Together, Takaoka and Levato have transformed their initial concept into Allstate's #1 homeowner's and auto insurance agency in Illinois—a testament to their unwavering commitment to excellence and customer service. Their partnership has not only achieved state-level recognition but has also earned the trust of insurance agencies, families, and communities nationwide.
Under their leadership, L&T Agency Group Inc. has grown from a startup vision to a thriving enterprise employing more than 130 professionals. Yet their ambitions remain as strong as ever, with aggressive expansion plans already in motion for the near future.
The foundation of their success rests on three core principles that guide every decision and interaction:
Vision: Protect People. Build a Legacy. Strengthen the Community.
This isn't just a mission statement for Takaoka and Levato—it's the driving force behind four decades of consistent growth and community impact. Their approach combines the personal touch of local service with the resources and reliability that come from being industry leaders.
Looking ahead, Takaoka and Levato are pioneering the next chapter of their legacy through the L&T Circle of Trust—an innovative initiative designed to expand their protective reach across America. This forward-thinking concept represents their commitment to scaling their proven model of trust, reliability, and community protection on a national level.
As they continue to embody the entrepreneurial spirit that launched their partnership 40 years ago, Craig Takaoka and Joe Levato prove that with vision, commitment, and the right partnership, even the boldest dreams can become reality—and that the best way to build a legacy is by protecting others along the way.
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Community Involvement: Elgin Chamber of Commerce Member
I’ve gotten to know many local families as an Allstate agent in Libertyville. I enjoy being a part of the community, and building local relationships is one of the best parts of my job. I know what life is like here in Libertyville – that you choose your car and your home to fit your lifestyle and your budget. I also know how important it is to do the same when it comes to insurance. I look forward to getting to know you and helping you to find the solutions that meet your needs.
Part of what I like best about my job is that I can offer customers options for a wide variety of coverage and services. You can depend on me to help you look at the big picture.
I’m committed to helping Libertyville residents assess their immediate and long-term needs and choose options that will help them achieve their goals. When you want to explore options for protecting your home, personal property, or financial future, I’m available to answer your questions. If you’re already a customer, I’m ready to review your coverage so that you can make any necessary adjustments to fit your changing needs.
Call me today at 847-362-0099 or 224-207-8548!
5 Key to the Circle of Trust
I. Expert Guidance You Can Trust
500"+ Years of Experience. Lifelong Protection.
We’re not just licensed—we’re leaders. With centuries of combined experience, our team brings deep expertise and local insight to every conversation. We offer honest, strategic advice—even when it’s not the easiest or most profitable.
| Trust Built on Knowledge. Guided by What’s Right.
II. High Tech, High Touch Philosophy
Modern Tools. Human Connection. Listening that Leads to Doing.
We combine cutting-edge technology with authentic, personalized service. Whether you're filing a claim or exploring new coverage, you’ll receive real-time support and transparency—always grounded in empathy and ethics.
| Efficient. Personal. Always Ethical.
III. Full Circle of Protection & Value
One Network. One Standard. Doing What is Right. Always.
From policy to protection, every piece is handled by our trusted in-house team. That means fewer handoffs, greater accountability, and a consistent commitment to doing right by every client—no shortcuts, no compromises.
| Integrity in Every Interaction. Service You Can Rely On.
IV. Complete In-House Care
Everything You Need. All in One Place. All Aligned With Your Values.
We’ve built a seamless, in-house ecosystem so you don’t have to juggle multiple providers or repeat your story. From quotes to claims, every step is handled by a team that knows you, respects your time, and shares your values. It’s convenience without compromise—and care without shortcuts.
| Simplified Service. Unified Support. Trusted Every Step of the Way.
V. Unity Through Unique Perspectives
One Circle. Many Voices. Shared Values.
We believe trust is strongest when it’s inclusive. Diverse perspectives make us stronger. We listen to learn and grow—because understanding others is the foundation of meaningful service. Our Circle thrives on mutual respect, open dialogue, and a shared commitment to doing good.
| Diversity Makes Us Whole. Values Keep Us Grounded.
Real Customer Reviews
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Policyholder (6-12 Months)
*****
“After an inquiry the agent that reached out to me was very knowledgeable and was able to give me a quote quickly and easily. Their quote was the best I received from all of the major and minor brands with the same full coverage. I was able to consolidate my separate Auto and homeowners insurance to one. Everyone I have spoken to has been friendly and efficient, which I appreciate with a busy schedule. I'm glad I switched from their competitor!!”
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Policyholder (1 Year)
*****
“This agency has always been proactive and helping my family get the coverage I needed for a great price. I plan to be with them for the long haul and will refer business to them as I come across friends.”
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Policyholder Review (20 Years)
*****
“Highly recommend. Been with this agency for over 20 years. Left to go with another insurance company for the price and I’m already back to Allstate because of the outstanding service. Megan, Brian, Diana- top notch service. The communication and explanation and responsiveness is unmatched.”
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Policyholder (6 Years)
*****
“I have been with this agency for over 6 years, they are wonderful. I have consistently checked their pricing and they still are the best price as well as service I have ever had.”