Trusted and Experienced Insurance Advisors for Every Stage of Life
Silver Linings Insurance
Our trusted and experienced insurance advisors help you compare coverage, understand your options, and make confident decisions through every stage of life. At Silver Linings Insurance, we specialize in Medicare and Property & Casualty insurance while offering a broad range of personal, business, life, financial, and specialty insurance solutions that fit your changing needs.
An Independent Insurance Brokerage with Over 35 Years of Experience
We work with multiple insurance companies rather than a single carrier. That gives you more choices and allows us to recommend coverage based on your individual situation instead of a limited selection of companies and products. We believe insurance should be easy to understand, personalized to your goals, and backed by advisors who are committed to building lasting relationships, not simply helping you purchase a policy.
Our team is here to provide personalized guidance and help you choose coverage with confidence.
Helping You Make Confident Insurance Decisions
Choosing insurance is about more than selecting a policy. It’s about working with trusted and experienced insurance advisors who take the time to understand your goals, explain your options, and help you protect what matters most.
At Silver Linings Insurance, every client relationship begins with a conversation. We take time to understand your goals, concerns, and priorities before recommending coverage. By listening first, we can compare your options, explain your coverage in clear language, and help you make informed decisions that fit your unique situation.
Our primary focuses are helping clients navigate Medicare while protecting their homes, vehicles, businesses, and other valuable assets through Property & Casualty insurance. Beyond that, we offer a full line of insurance coverage, helping individuals, seniors, families, and businesses find insurance solutions that continue to support them as their needs evolve.
Whether you live in Virginia Beach, Norfolk, VA, Chesapeake, VA, Suffolk, VA, Moyock, NC, Elizabeth City, NC, or communities throughout Virginia, North Carolina, and Tennessee, you’ll receive personalized service from advisors who genuinely care about helping you protect what matters most.
Ready to review your coverage or explore your options? Contact Silver Linings Insurance to speak with our trusted and experienced insurance advisors who will take the time to understand your needs. (252) 232-4400
We are proud of our 5-Star Google Rating.
The People Behind Your Peace of Mind
Choosing the right insurance is important, but choosing the right people to guide you can be just as valuable. At Silver Linings Insurance, you’ll work directly with a trusted team that believes every client deserves personalized service, honest advice, and clear communication.
For more than 35 years, we’ve built lasting relationships by taking the time to listen, educate, and remain available as our clients’ needs change. Together, Scott Dashiell and Teri Lloyd share a simple philosophy that guides everything they do: put people first, provide honest guidance, and make insurance easier to understand. Their commitment to responsive service and personalized support has earned the trust of clients throughout Virginia, North Carolina, and Tennessee.
Meet Scott Dashiell
Scott believes the best insurance decisions begin with listening and understanding your goals before discussing coverage.
As Owner of Silver Linings Insurance, Scott enjoys working with clients at every stage of life, helping them simplify insurance decisions that can often feel overwhelming. He specializes in Medicare and Property & Casualty insurance and understands that every client’s situation is different. Someone getting ready to turn 65 has different priorities than a growing family purchasing a new home or a business owner protecting years of hard work. That’s why every recommendation begins with a conversation, not a sales presentation.
Clients appreciate Scott’s approachable style, honest communication, and commitment to building lasting relationships. His goal is not simply to help you obtain insurance. He wants you to feel informed, confident, and supported whenever questions arise or your coverage needs change.
When he’s not helping clients navigate important insurance decisions, Scott enjoys spending time with his wife, Michelle, their daughter, Lauren, and their dogs, Gracie and Charlie. He also enjoys traveling, golfing, fishing, and fantasy football. Scott is a proud graduate of Old Dominion University in Norfolk, VA.
Meet Teri Lloyd
Teri believes outstanding service begins with making every client feel heard, supported, and confident in their insurance decisions.
As Operations Manager, Teri plays an important role in creating the personalized experience clients expect from Silver Linings Insurance. She works closely with clients to answer questions, coordinate policy updates, and ensure every interaction is handled with care and attention to detail.
Teri specializes in helping clients navigate their Property & Casualty insurance needs. Whether you’re a first-time homebuyer, adding a vehicle, protecting your family, or needing business liability coverage, she’s committed to helping you feel comfortable with your decisions. She understands that comparing coverage can sometimes feel overwhelming. That’s why she explains your options in easy-to-understand language, answers your questions patiently, and helps you move forward with confidence.
Outside of work, Teri enjoys spending quality time with her fiancé, Allen, her children, Ezura and Gage, her cat, Luna, and her close-knit family. She also enjoys gaming, music, and reading. She earned both her bachelor’s and master’s degrees from Kaplan University.
Why Choose Silver Linings Insurance as Your Trusted and Experienced Insurance Advisors?
Life is constantly changing, and insurance decisions often happen during exciting, challenging, or unexpected moments in life. You may be looking to retire, turning 65 and preparing for Medicare, updating your home coverage, welcoming a new driver into your family, or starting a business. As your life changes, your coverage should change with it. Having experienced insurance advisors by your side makes it easier to review your options and make informed decisions.
We Help By:
When you’re ready for personalized guidance, our trusted and experienced insurance advisors are here to answer your questions, compare your options, and help you make informed decisions with confidence.
Why Choose an Independent Insurance Brokerage?
An independent insurance brokerage gives you access to multiple insurance companies instead of just one. As a result, you can compare coverage options and receive objective recommendations.
Insurance should never be one size fits all. Because Silver Linings Insurance is an independent insurance brokerage, we have the flexibility to recommend coverage from a variety of trusted insurance companies. Instead of trying to fit your situation into one company’s products, we focus on finding solutions that work for you.
We also believe education should be part of every conversation. Insurance terminology can feel overwhelming, especially when you’re comparing Medicare options or reviewing coverage that protects your home, vehicles, or business. That’s why we explain your choices in clear, everyday language so you understand not only what you’re selecting, but why it’s the right fit for your situation.
When questions come up later, you’ll know exactly who to call. We believe the best client relationships continue long after a policy is in place because insurance is an ongoing partnership, not a one-time transaction.
- Medicare:
- Original Medicare Parts A & B, Medicare Advantage (Part C), Medicare Supplement Plans, and Prescription Drug Plans (Part D)
- Turning 65, reviewing coverage, or preparing for open enrollment
- Homeowners Insurance
- Condo Insurance
- Renters Insurance
- Auto Insurance
- Flood Insurance
- Motorcycle, RV, and Boat Insurance
- Business Insurance
- Commercial Property and Commercial Auto Insurance
- Life Insurance
- Long-Term Care Insurance
- Disability Insurance
- Health Insurance
- Liability Insurance
- Specialty Insurance
- Financial Services, including Annuities and Mutual Funds
Whether you’re preparing for Medicare, reviewing your current coverage, or planning for the future, our trusted and experienced insurance agents are here to provide the guidance and support you deserve.
Frequently Asked Questions
Why should I choose an independent insurance brokerage?
An independent insurance brokerage represents multiple insurance companies rather than just one. That gives you more choices, objective recommendations, and coverage selected to fit your needs instead of a single company’s products.
What makes Silver Linings Insurance different?
We believe insurance should be personal. Our team specializes in Medicare and Property & Casualty insurance while focusing on education, long-term relationships, and helping you make informed decisions with confidence. We also offer a broad range of life, personal, financial, business, and specialty insurance.
How can Silver Linings Insurance help me with Medicare?
We guide you through every step of the Medicare process. Whether you’re turning 65, reviewing your current coverage, preparing for open enrollment, retiring, or relocating, we’ll explain your options in clear language, answer your questions, and help you choose coverage with confidence.
Why should I review my insurance coverage regularly?
Your coverage should keep pace with your life. Retirement, purchasing a home, adding a driver, growing your business, or relocating can all affect your insurance needs. Regular reviews help ensure your protection continues to support your goals.
Will I continue working with the same Trusted and Experienced Insurance Advisors?
Yes. Building lasting relationships is one of the foundations of Silver Linings Insurance. You’ll work with advisors who know your situation, understand your goals, and remain available whenever you have questions. You won’t be routed through a call center. You’ll speak directly with a member of our team.
Do you only provide Medicare and Property & Casualty insurance?
No. While Medicare and Property & Casualty insurance are our primary focus, we also offer personal, business, life, financial, and specialty insurance solutions designed to support you through every stage of life.
Ready to Make Confident Insurance Decisions with Trusted and Experienced Insurance Advisors?
Finding the right insurance starts with choosing advisors who take the time to understand your goals, explain your options, and recommend coverage that’s right for you. That’s exactly what you’ll find at Silver Linings Insurance. Scott and Teri are here to answer your questions and provide guidance you can trust.
Our goal is simple. We want every conversation to leave you feeling informed, confident, and comfortable with your decisions because that’s how lasting relationships are built.
Contact Silver Linings Insurance today to speak with Scott or Teri. (252) 232-4400 We’d be honored to help you compare your options, answer your questions, protect what matters most, and be your trusted and experienced insurance advisors through every stage of life.
