Renee “Tori” Carchman brings over 30 years of experience in marketing and insurance, with a career built on strong relationships and client-focused planning. She spent 15 years as a Senior Major Account Executive with Idearc Media, followed by 15 years with Allstate Benefits as a Benefits Producer and Regional Benefits Leader, supporting more than 1,000 agencies across MD, DC, DE, VA, and WV.

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Tori has long been passionate about life insurance solutions that include Long-Term Care benefits—a focus shaped both professionally and personally. After navigating care decisions for a loved one, she understands how overwhelming the process can be and the peace of mind that proper planning provides. Today, she works closely with individuals and families, helping them protect their assets and preserve choice, dignity, and independence through thoughtful Long-Term Care planning.