Two questions most families put off: what happens to the people who depend on you, and who pays if you need care later in life. We help you answer both without overbuying.
Permanent lifeCoverage designed to last a lifetime
Long term careHelp paying for care at home or in a facility
Life insurance
Term life covers you for a set period, such as 10, 20, or 30 years. It is usually the most affordable way to protect a family or a mortgage.
Permanent life, such as whole life or universal life, is designed to last your lifetime and can build cash value.
We help you work out how much coverage you need, for how long, and which type fits.
Long term care
Long term care coverage helps pay for help with daily living, at home, in assisted living, or in a nursing home.
Health insurance and Medicare generally do not pay for extended custodial care, which is why people plan for it separately.
Options include traditional long term care policies and life insurance policies with a long term care benefit.
Cost depends heavily on your age and health when you apply, so it pays to look earlier.
How we help
Talk through your situation
Family, income, debts, and what you want covered.
Compare options
We show you types, amounts, and prices side by side.
Apply with help
We guide you through the application and any medical questions.
Common questions
How much life insurance do I need?
It depends on who relies on your income, your debts, and what you want to leave behind. A common starting point is to cover your income for the years your family would need it, plus major debts like a mortgage. We work through the numbers with you.
What is the difference between term and permanent life insurance?
Term life covers a set number of years and pays only if you die during that time. Permanent life is designed to last your whole life and can build cash value, and it costs more.
Does Medicare pay for long term care?
Generally not for extended custodial care, such as ongoing help with bathing, dressing, or eating. That gap is the reason long term care coverage exists.
When should I look at long term care coverage?
Earlier is usually better. Price and eligibility depend on your age and health when you apply, and some people can no longer qualify once health problems appear.
Coverage and premium are illustrative only and subject to underwriting and carrier approval. Benefits vary by policy and carrier. This page is general information, not tax or legal advice.
This website is made available by Landsman Insurance Services, LLC. All content, information, and software provided on and through the website (the "content") may be used only under the following terms and conditions (the "Terms of Use").
Your use of this website means you accept these Terms of Use. If you do not agree to them, please stop using this website.
Website license
As a user of this website, you are granted a nonexclusive, nontransferable, revocable, limited license to access and use the website and the content under these Terms of Use. Landsman Insurance Services, LLC may end this license at any time for any reason.
Limits on use
The content on this website is for your own personal use or your organization's internal use only, and not for commercial exploitation. You may not:
Decompile, reverse engineer, disassemble, rent, lease, loan, sell, sublicense, or create derivative works from the website or the content.
Use any network monitoring or discovery software to determine the site architecture or to extract information about usage or users.
Use any robot, spider, or other automatic or manual device or process to monitor or copy the website or the content without the prior written permission of Landsman Insurance Services, LLC.
Print, download, copy, modify, reproduce, republish, distribute, display, or transmit all or any part of the website for commercial, nonprofit, or public purposes, except as permitted above.
Use, export, or reexport the website, the content, or any software available on or through the website in violation of the export control laws and regulations of the United States of America.
Any unauthorized use of the website or the content is prohibited.
Not professional advice
The website and the content are not accounting, brokerage, consulting, investment, insurance, legal, tax, or any other type of professional advice. They should be used only together with the services of Landsman Insurance Services, LLC and any other appropriate professional advisors who have full knowledge of your situation. The accuracy, completeness, adequacy, or currency of the website or the content is not warranted or guaranteed. Your use of the content, the website, or materials linked from the website is at your own risk.
Coverage descriptions on this website are general summaries. Coverage and premium are illustrative only and subject to underwriting and carrier approval. The actual policy or contract controls.
Product and service availability
Some products and services described on this website may not be available in all jurisdictions. The products, services, and information on this website are not directed to, and are not intended for distribution to or use by, any person or entity in any jurisdiction:
Where that distribution or use would be contrary to law, rule, or regulation, or would subject Landsman Insurance Services, LLC to any registration requirement in that jurisdiction; or
Where Landsman Insurance Services, LLC is not authorized to provide that information, product, or service.
People who access this website do so on their own initiative and are responsible for complying with all applicable laws. Materials from this website may be subject to controls imposed by the United States or another jurisdiction and may not be exported to any jurisdiction or to anyone prohibited by law. Landsman Insurance Services, LLC expressly prohibits downloading or exporting material from this website in violation of the laws of any applicable jurisdiction, including U.S. export laws. By downloading material from this website, you warrant that you are doing so in full compliance with the laws of the United States and of the jurisdiction where you live.
Intellectual property rights
All content, unless otherwise indicated, is protected by law, including United States copyright, trade secret, patent, and trademark law, as well as other state, national, and international laws and regulations. Except as expressly provided in these Terms of Use or on the website, Landsman Insurance Services, LLC does not grant you any express or implied rights under any patent, copyright, trademark, or trade secret information. Any unauthorized use of the website or the content may violate copyright, trademark, patent, or trade secret laws, or laws relating to privacy and publicity.
Information you submit
By submitting content through any part of the website, other than personal information handled under our Privacy Policy, you grant Landsman Insurance Services, LLC a royalty free, perpetual, irrevocable, nonexclusive right and license to use, reproduce, modify, adapt, publish, edit (for length or clarity), translate, create derivative works from, distribute, transmit, perform, and display that content, in whole or in part, worldwide, and to incorporate it in other works in any form, media, or technology now known or later developed, for the full term of any rights that may exist in that content. Landsman Insurance Services, LLC may remove any content submitted to the website at any time for any reason.
Registration
If any part of the website asks you to register, you agree to give Landsman Insurance Services, LLC accurate and complete registration information and to tell us about any changes to it. You are responsible for keeping your account number and password confidential, and for all uses of your account, whether or not you actually or expressly authorized them. Landsman Insurance Services, LLC may refuse any registration or subscription.
Errors and corrections
Landsman Insurance Services, LLC does not represent or warrant that the website will be free of errors, viruses, or other harmful components, or that defects will be corrected. Landsman Insurance Services, LLC does not warrant or represent that the content and any information available on or through the website will be correct, accurate, timely, or otherwise reliable. Landsman Insurance Services, LLC may change the content or the website at any time.
Third party content and websites
Third party content may appear on or be accessible from the website, including quote forms, enrollment tools, videos, and links to websites operated by insurers, administrators, and other third parties. Landsman Insurance Services, LLC is not responsible for and assumes no liability for any third party content. You are responsible for finding, reading, and following the terms of use and privacy policy of each third party website you visit.
Disclaimer
The website and the content are provided on an "as is" basis. Landsman Insurance Services, LLC expressly disclaims all warranties, including the warranties of merchantability, fitness for a particular purpose, and noninfringement. Landsman Insurance Services, LLC disclaims all responsibility for any loss, injury, claim, liability, or damage of any kind resulting from your use of the website or the content.
Limitation of liability
Landsman Insurance Services, LLC shall not be liable for any loss, injury, claim, liability, or damage of any kind resulting from your use of the website or the content.
Governing law and jurisdiction
These Terms of Use have been made in, and will be construed and enforced under, United States federal law and New Jersey state law.
Privacy
Your use of the website is subject to the Privacy Policy and Cookie Policy of Landsman Insurance Services, LLC.
Changes to these Terms of Use
Landsman Insurance Services, LLC may change these Terms of Use at any time. The date at the top shows when they were last updated.
If you would like to make a request to not sell your personal information under the California Consumer Privacy Act ("CCPA"), the Connecticut Act Concerning Personal Data Privacy and Online Monitoring, Conn. Pub. Act No. 22-15, or the Virginia Consumer Data Protection Act ("VCDPA"), please contact us.
We use advertising cookies to show you targeted promotions or advertisements based on your interests on this website or to manage our advertising. These cookies collect information about your activities on this and other websites.
If you are using a mobile device, you can limit interest based advertising on your device by adjusting the settings provided by your device manufacturer, such as Limit Ad Tracking for iOS or Opt out of interest based ads for Android.
If you are a California resident and want to submit a request to correct, a request to know what categories or specific pieces of personal information we have, or a request that we delete your personal information, please contact us at 833 208 0034 or submit a request through our contact form.
Other consumer requests under the Connecticut Act Concerning Personal Data Privacy
If you are a Connecticut resident and want to submit a request to access, correct, delete, or opt out of certain kinds of processing of your personal information, please contact us at 833 208 0034 or submit a consumer request through our contact form.
Other consumer requests under the VCDPA
If you are a Virginia resident and want to submit a request to access, correct, delete, or opt out of certain kinds of processing of your personal information, please contact us at 833 208 0034 or submit a consumer request through our contact form.
We will respond to verifiable requests received from California, Connecticut, or Virginia residents as required by law. For more information about our privacy practices, please review our Privacy Policy.
Landsman Insurance Services, LLC
Any person who, knowingly or with intent to defraud or to facilitate a fraud against any insurance company or other person, submits an application or files a claim for insurance containing false, deceptive or misleading information may be guilty of insurance fraud.
Notice to Alabama Applicants
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit, or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution or confinement in prison, or any combination thereof.
Notice to Arkansas, Louisiana and New Mexico Applicants
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit, or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
Notice to Colorado Applicants
It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an Insurance Company for the purpose of defrauding or attempting to defraud the Company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any Insurance Company or agent of an Insurance Company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.
Notice to District of Columbia Applicants
Warning: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.
Notice to Florida Applicants
Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete or misleading information is guilty of a felony in the third degree.
Notice to Kansas Applicants
Any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act.
Notice to Kentucky Applicants
Any person who knowingly and with the intent to defraud any Insurance Company or other person files an application for insurance containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.
Notice to Maine, Tennessee, Virginia and Washington Applicants
It is a crime to knowingly provide false, incomplete or misleading information to an Insurance Company for the purpose of defrauding the Company. Penalties include imprisonment, fines and denial of insurance benefits.
Notice to Maryland Applicants
Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
Notice to New Jersey Applicants
Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.
Notice to New York Applicants
Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.
Notice to Ohio Applicants
Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.
Notice to Oklahoma Applicants
WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.
Notice to Oregon Applicants
Any person who, knowingly and with intent to defraud or facilitate a fraud against any insurance company or other person, submits an application, or files a claim for insurance containing any false, deceptive, or misleading material information may be guilty of insurance fraud.
Notice to Pennsylvania Applicants
Any person who knowingly and with the intent to defraud any Insurance Company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.
Notice to Puerto Rico Applicants
Any person who knowingly and with the intent to defraud, presents false information in an insurance request form, or who presents, helps, or has presented a fraudulent claim for the payment of a loss or other benefit, or presents more than one claim for the same damage or loss, will incur a felony, and upon conviction will be penalized for each violation with a fine of no less than five thousand dollars ($5,000) nor more than ten thousand dollars ($10,000); or imprisonment for a fixed term of three (3) years, or both penalties. If aggravated circumstances prevail, the fixed established imprisonment may be increased to a maximum of five (5) years; if attenuating circumstances prevail, it may be reduced to a minimum of two (2) years.
Landsman Insurance Services, LLC Effective date: May 22, 2025
1. Introduction
Landsman Insurance Services, LLC ("Company," "we," "our," or "us") is committed to protecting your privacy and keeping your personal information secure. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our agency, including through our website, services, and communications.
2. Information we collect
We collect personal information necessary to provide insurance products and services. This may include, but is not limited to:
Name, address, phone number, and email address
Date of birth, Social Security number, and government issued identification numbers
Insurance policy details, claims history, and payment information
Health information when required for underwriting or claims purposes
Employment and financial information when necessary for certain coverage types
3. How we use your information
We use your information for purposes including:
Processing insurance applications and providing quotes
Underwriting, issuing, and servicing policies
Processing claims and benefits
Complying with legal and regulatory requirements
Communicating with you about policies, updates, and offers
Preventing fraud and unauthorized transactions
4. Information sharing and disclosure
We do not sell or rent your personal information. We may share your information with:
Insurance carriers, brokers, reinsurers, and third party administrators to facilitate policy issuance and claims processing
Service providers who assist in business operations, such as IT, payment processing, marketing, and compliance
Legal and regulatory authorities when required by law
Other third parties with your consent or as necessary to protect our rights and assets
Mobile information will not be shared, sold, or conveyed to third parties for marketing or promotional purposes.
5. Data security
We use reasonable security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include encryption, secure servers, and access controls. However, no security system is entirely foolproof, and we cannot guarantee absolute security.
6. Retention of information
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve disputes.
7. Your privacy rights
Depending on your location, you may have rights regarding your personal information, including:
Accessing the data we hold about you
Requesting corrections or updates to inaccurate information
Requesting deletion of your data, subject to legal or contractual obligations
Opting out of marketing communications
To exercise these rights, please contact us using the information below. Residents of California, Connecticut, and Virginia can also see Do Not Sell My Personal Information.
8. Third party links
Our website may contain links to third party sites, including quote and enrollment tools operated by insurers and administrators. We are not responsible for the privacy practices of these sites and encourage you to review their policies before providing personal information.
9. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. Changes will be posted on our website with the updated effective date. We encourage you to review this policy periodically.
10. Contact us
If you have any questions about this Privacy Policy or your personal information, please contact us at:
