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Life Insurance

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.

 

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Testimonials

We appreciate the friendly, concerned service we receive from Norment and Landers. We also appreciate how they make sure we are receiving the best insurance coverage for our needs and they let us know when a change is needed to improve our coverage. We don't have to worry about our coverage because we can depend on and trust Norment and Landers to take good care of us.

James D., customer since 2000

Personal service, customized policy and actual visit and review of items covered in policy.

Customer since 2016

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, Al

Al 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 promptly

Customer since 2010

Always helpful

Tami 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 Brad

Pi 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 faces

Customer 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 BASSANO

John 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

Norment and Landers takes care of you immediately when an issue arises and helps walk you through the insurance process to ensure you are taken care of.

Kevin A., customer since 2016

We have had no recent claims but in the past, we were pleased with the handling of the claims. Plus, very nice and helpful employees.

Customer since 2012

You answer the phones and or return calls in a timely manner. When we put in a claim you are always there to walk us through the process and answer any questions we may have. That is the reason we do business with you.

Bob S., customer since 2016

Everything

Tim S., customer since 2015

Personal service, easy to find someone to ask a question and get valuable advice. Thank you.

Thomas V., customer since 2017

Friendly, helpful staff, and a seamless easy process to keep my insurance up to date and taken care of! Thanks!

John B., customer since 2016

Overall service, price and friendliness!

Brad M., customer since 2016

Always there when I need them

Customer since 2008

Sims always makes you feel like you are important as someone who has much more to insure. Always pleasant to talk too!!

Jim J., customer since 2013

Fortunately I haven't needed much assistance, but when I did everyone was helpful and caring and very efficient. I called this week to ask about who might repair my windshield (after following a rock hauler on the highway). The ladies in the office promptly sent me an email with suggestions. I appreciate every way Norment and Landers Insurance helps me!

Sally M., customer since 2011

very friendly and courteous. open to anything that will help the customer

Shane P., customer since 2014

good people, good products and value

Customer since 2003

We have truly felt like a valued customer at Norment-Landers. The agents do have their customer's best interests at heart.

Sheena S., customer since 2011

You guys always make time for me and provide the best resolutions for my needs!

Sequoia B., customer since 2016

We appreciate the personal attention that the owners and agents at Norment & Landers give to their customers. They are always available for questions and follow through in a timely manner. They offer a wide range of products and are able to provide complete insurance needs.

Customer since 2017

Always confident that in a time of need we will be taken care of as if we were family.

John B., customer since 2012

I have done business with you for years. I know if I need help all I have to do is call and you personally will take care of the issue.

Sherry B., customer since 2001

Very professional service! Along with Great attention to detail.

Mike G., customer since 2018

Previously, I called around everywhere checking prices, then I called Norment & Landers, and they compared prices for me even more and found a cheaper rate than anywhere else. Also, they were considerate and pleasant to work with. Very nice people.

Morgan M., customer since 2019

The customer service given by Rudy Kessel is always top notch. Thank you

Billy C., customer since 2007

I had a insurance provider that was charging me to much and you found me a new provider and saved me about 100.00 a month. Thank you

Stacy W., customer since 2008

Your staff is knowledgeable and friendly -- I have never had any hassles.

Customer since 2013

Personalized and customer specific service to explain what insurance I need or don't need, also Norment & Landers conveniently offers every type insurance there is (home, auto, health, life, travel, etc) all under one roof

Oliver K., customer since 2007