• Independent agents have the ability to offer products and services from numerous insurance companies.  Innovative Health & Benefits can offer products and services from over 30 different carriers. 
  • Captive agents work for only one company and can only offer their products. 
  • Independent agents are advocates for their customers, not the insurance companies. 
  • Independent agents are required to have extensive training with each carrier they represent, not just one 
  • The rates you pay when utilizing an independent agent are the same even if you buy direct from the insurance company or purchase yourself online.  

Our Company at a Glance

Benefits of using an Independent agency: 

Innovative Health & Benefits Solutions © All Rights Reserved.

Trice Thornton

Operations Manager 

Georgia Southern University

Sam Thornton

Sales Manager 


James Thornton

Principal Owner

Armstrong State University

Innovative Health & Benefits Solutions


We are dedicated to you, your family, and business owners by providing access to all quality carriers and related services available in the three states we serve.  


In 2004 Innovative Health & Benefits Solutions, was started by Jim Thornton.

Jim served as the Director of Managed Care for a local Savannah based Hospital System. His desire to improve the access for individuals and businesses to health insurance products led to the creation of his company.


Based in Savannah, Georgia we have grown to serve in three states, Georgia, South Carolina, & Tennessee.  In 2014, Jim's oldest son, Trice, joined the Innovative Health team as Operations Manager. 


We now offer quotes for Auto and Homeowners coverage.  If you have received a recent price increase, let us shop your plan and give you a comparison!