Benefits:Individual Life Insurance

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Why do I need life insurance?

Life insurance has several purposes. Its most important function is to replace the earnings that would cease at the death of the insured. For businesses, life insurance is a way to protect the business itself, should the death of key employees occur. A third purpose is to use life insurance to mitigate potential estate taxes.

Prepare in advance for a time when you may no longer be around. Build lifelong base of coverage. Helping to take care of those you love, and feel secure when moving into the future. NC&W Insurance is available to help you find the best term life insurance policy for your needs. Offering peace of mind knowing that you and those nearest to you are protected.

 

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  • Join NCW Insurance and Estacar Companies Thursday, June 15th for a FREE Seminar at the Amarillo College Downtown Campus Auditorium.

    With an ever changing economic environment and workforce, businesses need to reevaluate how they manage and support their employees. Join NCW Insurance and Estacar Companies Thursday, June 15th for a FREE Seminar at the Amarillo College Downtown Campus Auditorium.NCW Insurance and Estacar Companies invite business owners, human resource professionals and office/hiring managers to attend a FREE Seminar, Thursday, June 15th at the Amarillo College, Downtown Campus – Auditorium, located at 13...  Read More

  • NCW Insurance, a division of Heritage-RM, announces new team members and continued growth in 2017!

    NCW Insurance, a division of Heritage-RM, continues to grow and evolve. We are pleased to announce the addition of five new team members, community engagement initiatives and acknowledgement for our amazing teams’ efforts in building our community.Katherine D. Smith: Expanding the NCW team all the way to South Carolina, Katherine began working as a Risk Advisor in 2016.   Read More

  • Report on ACA Employer Mandate Enforcement

    On April 7, 2017, the Treasury Inspector General for Tax Administration (TIGTA) published a report on the "Assessment of Efforts to Implement the Employer Shared Responsibility Provisions." This report provides clues to the Affordable Care Act (ACA) enforcement initiatives with regard to the employer mandate. The report stressed that the IRS' systems to enforce the employer mandate portion of the Affordable Care Act have been delayed - not cancelled - and could be up and runni...  Read More

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