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Teaming Up for the Greater Good; How Two Indiana-based Competitors Joined Forces to Help Their Community For more than 50 years, two independent agencies, Gregory & Appel and MJ Insurance, have battled each other for the best insurance clients. Indiana-based Gregory & Appel Insurance is a fifth-generation, family-owned independent agency, operating in downtown Indianapolis. Less than 15 miles away is one of Gregory & Appel’s top competitors, MJ Insurance, a 57-year-old independent agency based in Carmel, Ind. Jon Loftin, president and chief operating officer of MJ Insurance, and Andrew Appel, president and CEO of Gregory & Appel, have known each other for years as friendly competitors. But when the effects of COVID-19 began to hammer their community, Appel and Loftin decided to team up.

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