NCW Insurance:About NCW

Creative solutions and client-first service since 1926.

On January 1, 2016, NCW Insurance and Sanford & Tatum Insurance Agency completed a share exchange agreement to create the combined entity of Heritage-RM. With similar values and philosophies, both value driven agencies decided to pull their resources together in order to be a stronger force in West Texas. HeritageRM has locations in Lubbock, Amarillo, Burnet, Claude, Dalhart, Fort Worth, Plano, and Snyder, making us the largest agency West of Dallas. The merger between Sanford & Tatum Insurance Agency and NCW Insurance extended the combined 178 years of experience and resources to clients, while offering the long-standing heritage of service and support our clients have come to trust. Since each agency’s name is known in their respected location, they will remain intact and operate under “a division of HeritageRM”.

The History of NCW Insurance: NCW Insurance is a proud recipient of the Amarillo Chamber of Commerce “2015 Top Business Award”. On October 1, 1926, Jeff M. Neely, Sr. and Roy O. Greenhill partnered to create an independent insurance agency built on integrity, hard work, and great customer service. Since then, we’ve grown and evolved into one of the premier independent insurance agencies in Texas. NCW Insurance serves a wide variety of clients in industries across the board.For more information about NCW Insurance, a division of HeritageRM, visit our website, or call us at 806-376-6301. The NCW insurance office is located at 15 Medical Drive, Amarillo, Texas.

The History of Sanford & Tatum Insurance: Sanford & Tatum Insurance Agency, an IIABA Best Practices Agency, was founded in 1935 in the developing town of Lubbock, Texas by C. A. Sanford and his son, Marion. As the young community became an established university town, Sanford & Tatum Insurance Agency grew into an outstanding regional resource, offering comprehensive insurance protection and superior service to businesses and individuals in many states. The leadership of the agency passed to the third generation when Douglas Sanford became president in 1972. Diannah Tatum’s 30-year contribution was recognized in 2007 with the addition of her name. In 2015, Michael Tatum became a partner in the agency and was joined by Rhonda Thomack and Mark Williams in 2016. Sanford & Tatum Insurance Agency is one of the largest independent agencies in the Southwest. For more information about Sanford & Tatum Insurance Agency, a division of HeritageRM, visit our website at, or call us at 806-792-5564. The Sanford & Tatum Insurance Agency’s office is located at 6303 Indiana Avenue, Lubbock, Texas; with a new 98th Street location opening in summer 2016.



NCW Partners



As Managing Partner at NCW and Co-CEO of HeritageRM (NCW's Parent Company) Jeff has more than three decades of experience in the insurance business and has been part of our team since 1980. He was born and raised in Amarillo, Texas and obtained a finance degree from Texas Tech University, graduating Magna Cum Laude. Jeff was former President of the Amarillo chapter of the Independent Insurance Agents and was awarded the Professional Insurance Person Award in 1999-2000. Jeff attends Hillside Christian Church, is a member of the Downtown Rotary Club, serves on the City of Amarillo Construction & Advisory Board and is the Secretary of the Board for the K&S Group . Jeff has been an avid tennis player since his days at Tascosa High School, is a licensed pilot and member of the Buffalo Flying Club, and plays the guitar for the local band Noah Jenda.



One of our Partners, Stephen A. Walton entered the insurance industry as a claims adjuster for Farmers, then joined Insurance Specialists in 1981 before merging with Neely, Craig & Walton in 1992. He specializes in Senior Living Facilities and general commercial insurance and served as President of the Independent Insurance Agents of Amarillo in 1991. Born in Talara, Peru, when his father was on assignment there with Carter Oil Company, Steve lived there for four years before moving to the U.S. He has a geology degree from the University of Texas and is a member of Hillside Christian Church and is involved in the Stephen Ministry.  Steve served as the President of the K & S Insurance Group in 2014.

Kim Dryden 

Kimberly is a Partner of NCW who primarily focuses on general commercial insurance, agricultural business and employee benefits. She serves as the Chief Growth Officer of HeritageRM. (NCW's Parent Company) Kim also actively serves on the Liberty Mutual Insurance Advisory Council and the Texas Mutual Insurance Advisory Council. A Dalhart native who attended Bryn Mawr College and the University of Texas, Kimberly is currently the Secretary of the Amarillo Symphony Orchestra Board of Directors, a sustaining member of the Junior League of Amarillo,  a graduate of Leadership Texas and has served in the past with the Amarillo Museum of Art, the American Cancer Society, and the Texas State Board of Public Accountancy (appointed by then-Governor George W. Bush). “I engage with some very fascinating people,” Kimberly says, “not only on the client side, but also with those I meet on the insurance carrier side.”

Richard Walton is a Partner and Risk Consultant for Employee Benefits at NCW Insurance.  He has designation for Group Benefits Association and is a Certified Self Funding Specialist.  Born and raised in Amarillo, he graduated from West Texas A&M University with a degree in Finance.  He currently serves on the City of Amarillo Planning and Zoning Board and is a member of the Center City Club.  He has over 10 years of risk management experience.


Johnathan is a graduate of West Texas A&M University who specializes in risk consulting for the oil and gas industry, grocery store chains, contractors, commercial property owners and equipment rental. He has been in the industry since 2006 and loves that his job allows him to interact with people from all walks of life and different geographical regions. A lifelong Amarillo resident, Johnathan attends Messiah's House with his wife Jill and their identical twin daughters. Outside the office, his primary interests involve travel and spending time in the mountains.


  • Stephenie Owen, CPA
  • Chief Financial Officer
  • 806-376-6301 / ext. 250

Stephenie is the Chief Financial Officer of HeritageRM. (NCW's Parent Company) She is a member of the Texas Society of CPAs and has served on the Community Impact Income Council for United Way.  Other than a three-year stint in Dallas—Stephenie has lived in Amarillo her entire life.  Outside the office, her primary interest is her young daughter and her husband that shares Stephenie's interest in camping and spending time in the mountains.

  • Melinda Hendricks, ACSR
  • Claims Advocate, Licensed Claims Adjuster
  • 806-376-6301 / ext. 261

Melinda is a veteran of the insurance industry and licensed claims adjuster, representing NCW's clients on a daily basis to help them resolve claims in a timely manner. She actively serves on the Liberty Mutual National Claims Advisory Council. Her goal is always to help them move on with their day-to-day obligations with as little interruption as possible. Recognizing that she often works with customers during trying times, Melinda says she is rewarded by seeing the claimant made whole again. “I like to help make a bad, sad time into something better,” she explains. Born in Mississippi, Melinda has been a Texan since 1975. She’s active in the animal rescue world, volunteering with the Amarillo SPCA and the nonprofit DAWGS ’n Texas rescue shelter.

Born and raised in El Paso, Janet Barrett found her way to the Texas Panhandle when she “followed some friends to Canyon” for the outstanding music program at WTAMU. She attended WT and Amarillo College, where she studied accounting, programming, and real estate. Prior to joining our team, Janet worked closely with insurance companies at a local law firm. She loves the environment she’s discovered at NCW. “This is a great group,” she says. “Everyone works hard, has a great attitude, and they make it fun. I don’t think I go a day without a laugh.” When she’s not doing our accounting, this sustaining Junior League member enjoys volunteering and spending time with her granddaughter, Rylee.


  • Patti J. Byars
  • Accounting Manager 
  • 806-376-6301 / ext. 279

Originally from Brownfield, Texas, Patti’s home has been Amarillo since 2005. She received a Bachelor of Business Administration in Accounting and a Minor in Business Management from WTAMU. Patti is currently earning her CPA designation. She joined NCW Insurance in 2017 as the Accounting Manager. Her main focus is maintaining NCW’s continuous growth. “I strive to have a team that works hard to make the overall experience a great one.” Outside of work Patti loves spending time with her husband, children and grandchildren. Patti is also an active member of Harvest Christian Fellowship.

  • Sandy Engram
  • Director of First Impressions
  • 806-376-6301 / ext. 221

Sandy’s official title may be “receptionist,” but she identifies herself as the “Director of First Impressions.” She realizes that, for many customers, she is the first representative of NCW they will encounter, and strives to make every person who walks through our door feel valued. “I want them to know we are the friendliest insurance agency in Amarillo,” she says. “It is my focus to make them feel more like family than customers.” Though a native of Lubbock, Sandy has lived in Amarillo for the past 30 years. She is a passionate volunteer for Snack Pak 4 Kids.

Risk Advisors

Jeff has been in the insurance business since 1957 after receiving a business degree from the University of Texas. The origins of our company trace back to his father and namesake, Jeff M. Neely, Sr., who founded the company in 1926 with Roy O. Greenfield. Jeff is an Amarillo native, a member of Gideons International, and a volunteer with the Coffee Memorial Blood Center. Jeff loves working with people and keeping his clients abreast of changes that may affect their insurance needs. Outside of work, Jeff enjoys traveling and playing bridge and golf.

The “Craig” in Neely, Craig & Walton, Cliff attended the University of Texas in Austin and has been in the insurance business since 1974—giving him four decades of expertise. Cliff has an analytical mind and an extraordinary amount of experience in what he calls “the business of insurance,” which makes him ideally suited to helping clients identify their exposures to loss, and in turn offer available insurance-based risk transfer alternatives. Born in Houston, Cliff has now lived in Amarillo for 56 years and has served on a variety of community boards, including the Salvation Army, the Children’s Rehabilitation Center, the Better Business Bureau, the Amarillo Airport Board, and the Amarillo Chamber of Commerce. Cliff currently serves on the Board of Directors of the Texas Windstorm Insurance Association.  He is an active member of St. Andrew’s Episcopal Church.

Sandy specializes in asset protection and liability controls as a risk consultant for contractors, the oil/gas/energy industries, and employee benefit programs. She is a 35-year veteran of the industry, with 24 of those years occurring on the NCW team. An accounting major at the University of North Texas, she loves using her skills and talents to build innovative insurance programs that help her clients and impact their success. Sandy has volunteered for the United Way of Amarillo & Canyon for the past ten years, serving as Chairman of its Essential Benefits Committee. She also volunteers in the Stephen Ministry.  Sandy's most significant claim to fame is that she attended the original Woodstock Music Festival in 1969.

An agri-business specialist in our Claude office, Jim Hubbard has been in the insurance business since 1970 and joined our team in 1994. Jim grew up in Claude, graduated from West Texas A&M, and loves helping agriculture clients manage their risk with the large bank loans that are common in that business. “Most farmers cannot afford to lose a large crop,” he says, “and the ones who can don’t want to.” An Army veteran who served in Vietnam, Jim has volunteered on a number of community boards and organizations. He has served separate terms as Claude’s Mayor, Fire Chief, and City Commissioner, and does color analysis on the radio for Claude football games. Jim is a former President of the WT Alumni Association and also spent time as President of the Panhandle Plains Historical Society and Museum.

John is a risk consultant in our Fort Worth office, specializing in the fields of medical malpractice and professional liability. He has worked in the insurance world for close to 40 years. John enjoys working with business owners and managers across a wide variety of professions to solve problems and protect their businesses. John truly cares about his clients and tries to go about his work with what he calls “a servant’s attitude.” Born in West Virginia but having grown up in Florida, he moved to Texas in 1978. John has served on the Board of Directors of the Clayton Youth Enrichment Services and, as an avid cyclist, the Fort Worth Bicycle Association. John is married to Sharen Wilson, District Attorney of Tarrant County.

As a risk consultant who focuses on commercial insurance, crop insurance, and group benefits, Casey loves interacting with a variety of individuals and businesses on a daily basis. He received an MBA in marketing/business management from West Texas A&M University. In 2000 and 2001 Casey participated in Athletes in Action playing basketball in Southeast Asia and the Middle East. An avid golfer, Casey is a member of the Lions Club, he serves on the FCA Board for WTAMU as well as the governing board for the Panhandle IIAT (Independent Insurance Agents of the Panhandle) Chapter and recently graduated from Leadership Amarillo & Canyon. He is very involved in Business Networking International (BNI) and serves as the Director Consultant over chapters in the West Texas and Permian Basin Districts as well as serving as President of the Top of Texas Chapter.  

Expanding the NCW team all the way to South Carolina, Katherine began working as a Risk Advisor in 2016. She received a Bachelor’s degree in Public Policy Leadership with a minor in Mass Media Communications from the University of Mississippi Honors College. Katherine’s main focus at the agency is in our Commercial Lines Department and on special projects. She loves interacting with people from different industries and walks of life. “I enjoy making new contacts and being out in the community. I like to problem solve with others with a common goal in mind.” In her spare time Katherine is involved with the Junior Service League and currently serves on the Special Events Committee. Katherine also dedicates time to teach Youth Sunday School.



Darin’s ancestors planted their roots in Ochiltree County in 1900 which meant he grew up as a self-described “farm kid” in the far north Texas Panhandle. “That work ethic was instilled in me at a very early age,” he says today. “Whether it be delivering a calf in the dead of winter or fixing fence in a driving snowstorm, that type of work will give you an appreciation for an opportunity at a company like NCW.” On a typical day in our offices, you won’t see Darin assisting in any livestock births. Instead, he works with business owners to identify their needs and provide a complete solution for their employee benefits. Bearing a marketing degree from WTAMU, he spent many years in the retail industry, serving small towns throughout the Panhandle. He loves that his career allows him to meet so many different people.


Born and raised in Amarillo, Jason Burr works with local families to protect their homes and cars from catastrophes. He got his start in the insurance business in 2006 and has been a member of the Independent Insurance Agents of Texas since 2007. In 2009 Jason became the Dave Ramsey Endorsed Local Provider for home and auto insurance. He describes himself as a socially outgoing people-person—and a teacher at heart. “I like being able to explain a homeowners and auto policy to a customer and showing them where we can improve coverages while reducing costs,” he explains. Outside of the office, Jason is a member and Past President of Southwest Ambucs and has been a member of the Amarillo Chamber of Commerce Business Council since 2013.


Elizabeth Carter

Elizabeth is a graduate of Texas Christian University, who brought her unique training in design and merchandising to our team in 2013. Outgoing, detail-oriented, and always timely, she leads our Stewardship Program, providing resources to our clients that may not impact insurance purchasing decisions but could assist with other business decisions. She organizes client interest seminars and provides our risk advisors with needed marketing and risk management materials.  “I love the constant opportunity to be interacting with different people,” she says. “My days are never the same. There’s always something different that needs to be done.” Elizabeth is currently a Co-Chair for AMoA's (Amarillo Museum of Art) upcoming Christmas Roundup fundraiser in November. She is a member of the Junior League of Amarillo and is serving on The Best Of Texas committee. She also volunteers on The Komen Race For The Cure committee and is a mentor at The Presbyterian Home For Children.

  • Jodie Meek 
  • 806-376-6301 / ext. 278

Jodie, a graduate of Oklahoma State University, enjoys the opportunity to work with different types of businesses owners. As a Risk Advisor at NCW Insurance, Jodie works within the Commercial Insurance Department. He actively is working with his clients to help identify their risks and works closely with them to make sure their businesses are appropriately insured. “I love being able to connect with different types of people. I have been told that I have “relational intelligence”. I am blessed with the skill set of understanding the perspectives of others. Outside of work, Jodie is very active with his family and is a member of Harvest Christian Fellowship in Plainview. He enjoys volunteering with Snack Pack 4 Kids.

Commercial Lines

  • Gina Pattie, CIC, CISR, CRIS
  • Commercial Lines Manager
  • 806-376-6301 / ext. 234

At NCW, Gina deals with all aspects of commercial insurance, including professional liability and medical malpractice. As our Commercial Lines Department Supervisor, she manages all aspects of that department and is a vast source of knowledge about property and casualty insurance. Gina is a local graduate of Tascosa High School and has been with NCW since applying for a part-time summer job as a file clerk in 1991. “I’ve grown up in the agency and learned from the bottom-up,” she says. When not at work, Gina stays busy with her two daughters, both of whom are active in volleyball.

An insurance-industry veteran for nearly 25 years, Joyce is a native of Albuquerque, New Mexico, but moved to Amarillo in 1994. She’s been a member of our team since 1996 and received her CIC designation in 2011. Joyce is known for showing compassion and dedication in meeting her clients needs—skills she practices on a daily basis as a grandmother to no less than ten grandchildren. Outside the office, she says, those grandchildren are pretty much the only interest she has time to pursue.


  • Nichole Galloway, ACSR, AINS, CISR, CLCS
  • 806-376-6301 / ext. 256

Nichole focuses on commercial property and casualty insurance and is a dedicated student of the industry—reflected in the fact that she has more professional designations after her name than anyone else on the NCW team. A native of nearby Vega, Texas, she has been in the insurance business since 1997 and got her start as a claims expeditor. In 2002, Nichole decided she preferred to be on the other side of the fence, obtained her Property & Casualty license, and became an independent agent. A former member of Business Networking International (BNI) and Texas Business Women, she attends Hillside Christian Church and has been a board member for The Maverick Boys and Girls Club of Amarillo for four years.

Janet has proven herself to be a very valuable NCW team member over the years. Having worked in the insurance industry since 1973 Janet worked for a small independent agency in her hometown of Ponca City, Oklahoma before starting at NCW in 1988. She loves being a grandmother and works hard to broaden her grandkids’ interests by introducing them to the opera, concerts, and “teaching them manners when we go out to eat,” she says. Despite the demanding nature of her work, Janet is known around the office for always keeping her cool and for baking the best birthday treats.

Clay manages our special accounts department. He has worked in the insurance industry for more than 15 years with a background in office management. He attended Texas Tech and West Texas A&M University, where he specialized in secondary music education and choral conducting. In fact, Clay is a member and serves on the board for the professional Ken Davis Chorale, which gives public performances twice a year and is based in Mesquite, Texas. He has lived in Amarillo all his life.

  • Hannah Luster
  • 806-376-6301 / ext. 242


Hannah joined NCW in 2013 and is an important part of our commercial lines department. She enjoys working with numbers and data schedules as well as people. Hannah was born in Amarillo but grew up in the Dallas-Fort Worth Metroplex area, where she lived for 13 years before returning here in 2008. Although only 5'1" she definitely has a 6'2" attitude. When not working Hannah enjoys spending time with her husband and two beautiful girls.


Born and raised in Amarillo, Whitney joined NCW in 2017 as a Commercial Lines Processor. She received a Bachelor’s Degree in Corporate Communication from West Texas A&M University. Whitney prides herself on being very organized and motivated. “I like to make sure that everything has its place and things can be accessible at any time. I am also motivated to be promoted. I’m ready to work and prove my work ethic.” She loves getting to meet new people and is excited to learn everything she can. In her spare time Whitney volunteers at her church in the children’s ministry.


“Insurance is in my blood,” says Dawn Franco, who has been in the industry since her first days as a file clerk in 1986. She likens insurance to a foreign language and says the best agents act as interpreters for their clients. “Educating clients about insurance makes me the happiest. I enjoy interacting with them, looking for gaps in their coverage and finding new ways to protect their business.” Though new to our team, Dawn has been a licensed agent since 1992 and says one of the best parts of her job is getting to research new coverage and carriers in an industry that is always changing—and always improving. When not at work, Dawn volunteers with Middle School students at Hillside Christian Church and loves camping and the outdoors. “I am the most content with a fishing pole in my hand,” she says.



Born in Irving, Texas Kaity Cline moved to Amarillo at the age of 4 and has lived here ever since. Kaity brings creativity and optimism to the NCW team. “I am always looking to improve myself,” says Kaity Cline, who has been on our team since the summer of 2015. “In the insurance world, there are always new things to learn and opportunities to grow. I am genuinely excited to come to work every day.” We love Kaity’s attitude. In addition to serving as a processor for Commercial Lines, she is in the middle of pursuing an education degree. In December of 2015, Kaity earned her Associate of Arts in Teaching from Amarillo College. When she’s not at work or at school, Kaity volunteers at the Amarillo SPCA.


Denise came to NCW in 2011, but first began working in the insurance field in 1994 before taking some time off to raise her triplets. She has a business management degree from West Texas A&M University and thrives on serving clients as a customer service representative. “Health insurance is always changing, never boring, and very fast-paced,” she says. Denise’s ability to multi-task—no doubt a product of caring for triplets—makes her exceptionally good at her job. She’s an Amarillo native, and has served with the March of Dimes, Coffee Memorial Blood Center, and the Girl Scouts of Texas-Oklahoma Plains.


  • Stephanie Underwood
  • Benefits Enrollment Technology Specialist
  • 806-376-6301 / ext. 263

Stephanie was born in Amarillo, attended Pampa High School, and lived in Oklahoma and California before returning to her hometown. She graduated from West Texas A&M University with a degree in Psychology and is a veteran of the insurance industry, having spent nearly a decade as a customer service supervisor for a large health insurance provider. Her role at NCW revolves around our Employee Navigator system which gives employers and employees easy access to their benefits. As a trainer, she works closely with both—and loves the organization and attention to detail her job requires. Stephanie has been a member of Hillside Christian Church for more than 25 years and loves watching her only grandson play baseball, basketball, and soccer.

Atlanta began her career in the insurance industry in 2016 when she joined NCW Insurance. As a Benefits Account Manager, Atlanta assists NCW Advisors with gathering quotes from insurance carriers in order to provide customers with the best coverage! She also works directly with business owners as well as employees to answer any questions about their health insurance. “I love the sense of accomplishment I have after assisting a company or an employee regarding their health insurance needs. The knowledge that I played a role in providing an individual with health coverage for themselves or their children is very fulfilling.”

Liliana Del Real

Liliana came to Amarillo from Durango, Mexico as a child. She graduated Amarillo College with an Associate Degree in Teaching, and brought her background in insurance sales and the healthcare industry to the NCW team in 2017. Liliana works in our Life and Health Department as a Benefits Account Manager; she works closely with business owners as well as their employees to answer questions and assist with enrollment changes. Liliana prides herself on working well with others, time management, and being bilingual. She is a mother of three wonderful children and enjoys watching them participate in all their extracurricular activities.

Born and raised in Amarillo, Christine moved to Santa Fe where she raised her children before returning home in order to be closer to family. Christine attended Metro Business Academy where she received a certificate in Business Management. She began her career in the insurance industry in 2000 and joined the NCW team as a Customer Service Representative in 2017. Her position at the agency focuses on building relationships with customers and providing them with information about our products and services. “I enjoy serving our clients and being able to assist them with resolutions in an ever changing industry.” In her free time Christine loves spending time with her family who is the center of her attention.

Personal Lines

Known around our Claude office as “Lea,” Leatrice has been a member of our team since 1994. She loves helping others by writing homeowners, auto, and farm and ranch policies, and enjoys that her work allows her to interact with all kinds of people. “When someone walks into our office,” she says, “my goal is to try to answer all of their questions and help them anyway I can.” She grew up on a ranch near Lefors, Texas, and has lived in Claude for the past 35 years. Lea and her husband are active volunteers with Meals on Wheels and Ronald McDonald House.

Pam Wiggins began her insurance career with NCW in 1980—back then it was called Neely, Lowndes & Neely—and has been working with clients to insure their homes, autos, and other possessions ever since. As the Supervisor for the Personal Lines Department, she loves creating happy clients. “A happy client refers friends and relatives,” she says, “and that’s one of the ways our business grows.” Pam describes her personality as that of a caregiver, which makes it easy for her to get emotionally involved with clients and the events in their lives. Pam obtained her ACSR in 1982, her CISR in 1996 and her CIC in 2010. She has an Associates degree in Business Management from Amarillo College. She is passionate about being a blood donor with Coffee Memorial Blood Center and enjoys participating in the Susan G Komen Race for the Cure. In her free time Pam loves attending Highland Park High School Football games to watch her Granddaughter in the marching band. Pam was born in Clayton, New Mexico.

Melinda is a Tascosa High School graduate who spent 23 years in Clarendon before returning to Amarillo in 2013. Melinda has been in the insurance business for two decades, and loves helping others—especially her clients. When she’s not at work, she enjoys hunting, fishing, hiking, sewing, crocheting, and attends Comanche Trails Church of Christ.

  • Jennifer Baird, CIC, ARM, CPCU 
  • 214-517-8984

Jennifer started her career in the insurance industry in 1993 and began working at NCW in 2016. A graduate of Texas Tech University, Jennifer works to negotiate with carriers to obtain the best terms, conditions and premiums for our clients. She specializes in marketing for the agency and works diligently to maintain carrier relationships. "I love building relationships and a strong foundation with carriers." She also enjoys negotiating, thinking  outside the box for creative solutions to problems and being a valued part of a team. "I am very much a people person!" Jennifer is a member of The Society of CPCU and spends her free time volunteering at Equest, a therapeutic riding program for children with physical or mental disabilities. 

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