Strategic BUSINESS & individual Insurance Planning

You’ve worked hard to build a unique business. We want to work hard to protect it.

Providing Custom Insurance Solutions

We provide services for  financial education, healthcare coverage, life, disability, dental, vision, and more.
Why n&D Insurance?
Forget about the way you’ve worked with insurance agents in the past. Selling you insurance products and disappearing to collect commissions isn’t part of our DNA. N&D works hard to develop long-term relationships that benefit all parties involved. Ours is a culture of doing the right thing for our clients and our business partners.

Peace of Mind solutions

Should there be an interruption in your business or life, We have you covered

We save you money

We do our best to find you the best solutions

We provide the best

N&D will design an integrated program that aligns with your priorities
Are you 100% sure you’re going to have a great retirement, or do you have some doubt?
What if we could show you how to get out of all debt in 9 years or less, including your mortgage, without spending any additional money than you are spending right now?
We offer Businesses & iNDIVIDUALS Financial LITERACY PROGRAMS
We educate small businesses on how to eliminate all debts, become their own bank and self finance their business. We educate individuals on how to get out of all debt (including their mortgage and school loans), increase income (cashflow) and supplement their retirement income in 9 years or less without spending any additional money than they are spending right now
We utilize our programs to help you reduce your workers compensation premiums, group health premiums, payroll taxes, and more…
Services we offer
Designed by Flaticon

Voluntary Insurance

Is a financial protection plan that provides the insured with a cash benefit paid directly to them due to an illness or injury to assist with their out of pocket expenses for medical or daily living costs. Plans offered- Accident, Hospital, Cancer, Critical Care, Vision, Dental.
Designed by Flaticon

Telemedicine Service

Speak remotely to a board certified physician 365 days/ 24 hours/7 days a week for diagnosis and treatment by means of telecommunications technology.


Get access to all the healthcare plans that are available to you in your area.

See our whole list of services by clicking the button below.

What our customers says about us

I have known Norma Garza for several years now. I am really impressed with her professionalism, her willingness to help others and her generosity and empathy towards others. We have worked together on several professional projects and I'm looking forward to continue working together. Norma Garza is a person you can trust and count on!

Maria Cherrez-VanGaldere

Charles Rutenberg Realty, Inc


I have known Norma Garza for about 17 years now. She is one of the finest people I have ever met. Norma routinely takes the time to help out those in need. In fact, Norma’s presence in the community has impacted many around her. Norma volunteered at the Habitat for Humanity, Feeding America and the Humane Society. At the Habitat for Humanity she along with other volunteers built homes to provide families with an opportunity for a better future. Not only does Norma demonstrate a dedication to assist those in need but she utilizes her excellent problem solving skills, and a real team first attitude to build her community. Without Norma’s team work and humanitarianism, there are many who would not have had an opportunity to live a more fruitful and productive life. You will quickly discover that she is a fine person, and committed to helping other build a secure future. She has one of the most important qualities of an entrepreneur.

Candy Ronda

Director of Finances 

Florda Hospital 

Working with Norma was excellent! She was easy to do business with and her communication was excellent. I would highly recommend her to other businesses!

Nikki Bennett

Human Resource Director
Behavioral Consulting of Tampa Bay

Meet Norma.

Your Benefits Consultant

Norma was born and raised in Middletown NY. She lived in Florida for over 20 years and now resides in Goldsboro N.C. She is married and is a first time mother.  She enjoys outdoor activities such as walking, biking, and swimming. She also enjoys reading, taking part of community service and spending time with her family.

Norma understands the importance of having a plan, coverage & protection for your business and family. With over 20 years of experience in the insurance industry, she has now created a company to provide strategic planning, accurate, and custom solutions for businesses and families of all shapes & sizes.

She is a member of The Wayne Couny Chamber of Commerce


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