Important Information

The content provided on this website, operated by Spencer Legacy Insurance, is for informational and educational purposes only. It is not intended to serve as legal, financial, or insurance advice, nor should it be construed as a solicitation, offer, or recommendation to purchase any insurance product or service. The information presented may not reflect the most current legal or regulatory developments and is subject to change without notice.

Spencer Legacy Insurance makes no warranties, guarantees, or representations regarding the accuracy, completeness, or timeliness of the information on this site. Insurance policies, coverage options, premiums, and availability vary by provider, policy type, and individual circumstances. Any examples, illustrations, or quotes provided are hypothetical and should not be relied upon as a promise of specific outcomes, costs, or benefits.

Insurance products and services described on this website are offered only in jurisdictions where Spencer Legacy Insurance and its agents are licensed to operate. Licensing and product availability may differ by state or region. Visitors are responsible for ensuring that any insurance product or service they pursue complies with the laws and regulations of their state or country. Spencer Legacy Insurance and its agents do not conduct business or offer products in areas where they are not properly licensed.

Life insurance decisions should be made in consultation with a qualified insurance agent, financial advisor, or legal professional who can assess your specific needs and circumstances. The content on this website does not replace personalized advice from a licensed professional. Spencer Legacy Insurance and its agents are not responsible for any actions taken—or not taken—based on the information provided here.

This website may contain links to external sites operated by third parties. Spencer Legacy Insurance and its agents do not endorse, control, or assume liability for the content, accuracy, or privacy practices of these sites. Accessing third-party links is at your own risk.

To the fullest extent permitted by law, Spencer Legacy Insurance, its affiliates, agents, and employees shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website, reliance on its content, or inability to access it. This includes, but is not limited to, errors, omissions, or interruptions in service.

Any quotes or estimates provided through this website are preliminary and subject to change based on underwriting, verification of information, and approval by the insurance carrier. Submitting an inquiry or application does not guarantee coverage, and final terms will be outlined in the issued policy.

Spencer Legacy Insurance is a privately owned, licensed independent insurance agency. We are not connected with, endorsed by, or affiliated with the U.S. government or the federal Medicare program. Spencer Legacy Insurance is legally authorized and licensed to transact life and health insurance business in the following states: Arkansas, Colorado, Florida, Georgia, Indiana, Iowa, Kansas, Nebraska (Resident State), North Carolina, South Dakota, Tennessee, and Wyoming. Product availability, features, and underwriting requirements vary by state. No insurance coverage goes into effect unless and until confirmed directly with a licensed agent.

We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY users call 1-877-486-2048) 24 hours a day/7 days a week, or your local State Health Insurance Program (SHIP) to get information on all of your options.

This website is operated by Spencer Legacy Insurance and is not the official Health Insurance Marketplace® website at HealthCare.gov. This site may not provide all qualified health plan (QHP) options available in your state. To see all available qualified health plan options, please visit the official federal marketplace at HealthCare.gov or your state’s specific exchange platform. Spencer Legacy Insurance complies with all federal privacy and security standards regarding consumer personally identifiable information (PII).

For questions about this disclaimer or our services, please contact us at info@spencerlegacy.com.