Life insurance is something most people do not have or do not enough coverage. Having adequate life insurance can give you the peace of mind that your dependents will be financially secure in the event you pass away. The amount of life insurance depends on a person's income, how many dependents they have, their lifestyle, and if they have any current(Loans) or future(College) debts. There are several types of life insurance policies but they fall into two main categories.
Term life insurance
Term life insurance policies are the least complicated and are typically the least expensive. Most often they have a level term(premium stays the same) for a set period of time usually from 5 to 30 years. A term life policy is best when trying to get the most coverage at the lowest cost.
Permanent life insurance
Permanent life insurance policies have a higher premium when compared to term policies because they offer a longer coverage period. With permanent life insurance, there is a savings component that can grow with each premium payment. The policyholder can invest, withdraw, or borrow against this money during their lifetime. A whole life insurance policy is a type of permanent life policy where the policy remains in effect for the insured's entire life unless they stop paying the premiums. Premiums under the whole life are fixed. A universal life insurance policy, on the other hand, is more flexible and allows one to choose the amount of premium and coverage they need.
When choosing life insurance, it is important to educate yourself on the basics, so you can make an informed decision. To learn more about life insurance, contact Norment & Landers Insurance today. Our agents can go over different options to meet your current life insurance needs.
Personal service, customized policy and actual visit and review of items covered in policy.Customer since 2018
Norment and Landers is very easy to work with and the communication is always excellent.Cody W., customer since 2016
Everyone is very professional and is always there to help in any service. Great relationships with the customer.Steve C., customer since 2011
Always friendly, helpful and quick to respond.Brittany M., customer since 2017
We are very satisfied with the service of Norment and Landers. Any time I need something, I email Erik and it is taken care of within minutes. I would recommend your service to everyone.Crystal U., customer since 2016
Thank you to Norment & Landers for taking care of our every need! Sims is always so helpful, and never hesitates to answer every question (no matter how small). Wouldn't do business anywhere else!!Ashley R., customer since 2016
Brad proposed corporate medical insurance for our team. He has guided us through the process and keeps us up to date each year. This has helped our employees greatly. The staff is always helpful. We are being taken good care of.Joella L., customer since 2018
We never worry about what our insurance coverage should be, we know you will give us a reminder to review our needs at renewal time. Thanks, AlAl R., customer since 2016
I like that I can email Sims directly and he makes it happen. I don't have to worry about anything. Just email Sims and it gets taken care of.Ross W., customer since 2009
We are happy with our coverage and the shopping for insurance that meets our needs at a great price.Gary B., customer since 2017
When we had any questions about our policies we were given all the information we needed. Very informative and helpful.Judy P., customer since 2015
Always helpful, respond promptlyCustomer since 2010
Always helpfulTami M., customer since 2018
I've got very professional knowledge , so convenient and friendly services when I walk out from their office. Even I don't need to go to their office they still get my things done. Thanks BradPi T., customer since 2018
You always are available, and friendly.Customer since 2012
I was dreading the process for finding good and affordable insurance, but Erik and his team made it quick and painless. I really appreciated the ease of everything and will definitely continue to use Norment and Landers Insurance.Mally C., customer since 2019
Consistent, personalized, excellent service from real folks with familiar names and facesCustomer since 2012
Very easy to get a quote and to begin coverage through Norment and Landers. Cody Upchurch was very helpful and got me a great rate with excellent coverage.Bradley F., customer since 2019
Friendly, informed staff always willing to explain specifics or answer questions. Competitive rates and easy claims process.Bret H., customer since 2016
Personalized service made me feel that I was important and my needs could be meant!Rita G., customer since 2018
STAFF IS ALWAYS FRIENDLY AND INTELLECTUALLY HELPFUL. I HAVE USED NORMENT AND LANDERS INSURANCE FOR OVER 35 YEARS, AND CONFIDENTLY RECOMMEND THEM FOR PERSONAL ADVICE AND PROFESSIONAL INSURANCE SERVICES. JOHN BASSANOJohn B., customer since 2000
Good people. Great service.Mark F., customer since 2016
You take time to explain the policies & you always look for the best price & coverage to fit my needs. The entire staff has always been professional and respectful. I highly recommend Norment & Landers Insurance.Jo R., customer since 2018
I appreciate how easy it is to get information and support anytime that I have questions about insurance coverage. Customer service has been exceptional-responsive and timely!Patricia M., customer since 2014