828 Lake Avenue Suite C, Gothenburg, NE 308-537-7838 info@spencerlegacy.com

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Our services

Nothing you build survives by accident.

Every family, farm, and business has something worth protecting. We start by understanding what you’ve built and where you’re going, then help you put the right solution in place for the road ahead.

On this page Life Insurance Health Insurance Medi-Share Medicare Annuities Long-Term Care Infinite Banking

Life Insurance

Whole life and term

Life insurance is about more than preparing for the unexpected. It’s about faithfully protecting the people, responsibilities, and legacy entrusted to you. Term and whole life serve different purposes, and together they can help create a plan that protects your family today while preparing for tomorrow.

Term life

Protection for the years when your family depends most on you. Term coverage can help replace income, protect a mortgage, fund future obligations, and give your family time to carry on if you’re no longer there to provide for them.

Whole life

Permanent protection designed to last a lifetime, with cash value that builds according to the policy’s terms. It provides a death benefit for your family while creating an asset you can access during your lifetime. When properly structured, whole life can also serve as a foundation for an Infinite Banking strategy.

Health Insurance

Individual, family, and self-employed

Your health coverage should make sense for the way your household actually lives. We compare the options, explain the tradeoffs, and help you choose coverage that fits your needs today while keeping the bigger financial picture in view.

Medi-Share and
Medi-Share 65+

Christian health care sharing, under and over sixty-five

A Christian approach to sharing eligible medical expenses. We help you understand how it works, what it covers, and whether it fits your household and financial priorities.

Medi-Share

For households under sixty-five. A faith-based approach to sharing eligible medical expenses, offering an alternative to traditional individual and family health insurance that has no open enrollment window to wait for.

Medi-Share 65+

For members on Medicare. Medi-Share 65+ works alongside Medicare rather than replacing it, sharing eligible medical expenses that Medicare doesn’t cover. It offers an alternative to traditional Medicare Supplement coverage for households who want to share health care costs with other believers.

For some families, health care sharing may make sense. For others, traditional coverage may be a better fit. We’ll help you understand the differences so you can choose with confidence.

Medicare

Supplement, Advantage, and Part D

A couple reviewing paperwork at a kitchen counter

Turning sixty-five brings a stack of mail and a set of important deadlines. We sit down with you before enrollment, explain what original Medicare does and doesn’t cover, and walk through Supplement, Advantage, and Part D options side by side.

Then we review your coverage with you each year, because plans, formularies, and networks can change—even when your health does not.

Annuities

Retirement income

Retirement isn’t just about how much you accumulate. It’s about creating a plan for how those resources will support you when the paychecks stop. We help you evaluate whether an annuity has a place in your retirement plan and how much of your income should be built around guarantees.

Long-Term Care

Protect what you’ve spent a lifetime building

Grandfather and grandson watering a garden

Long-term care can become one of the most significant expenses in retirement, and Medicare and health insurance generally do not cover ongoing custodial care. We help you plan for the possibility of needing extended care so you can protect your retirement savings, your family, and the legacy you’ve worked to build. The earlier you plan, the more options you may have.

Infinite Banking

Be your own banker

The Infinite Banking Concept is a disciplined financial framework designed to eliminate your reliance on traditional banks and secure your personal capital. By placing premium deposits into a dividend-paying whole life policy and practicing “honest banking,” your money gains tax advantaged growth while maintaining complete access to liquidity for investments, purchases, or unexpected windfalls.

Read the full explanation →

Not sure which of these you need?

That is the normal place to start. Tell us what you need protecting and we will work out the rest together.

Licensing & agency information

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.

Federal Medicare Advantage & Part D disclaimer

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.

Affordable Care Act (ACA) / Health Insurance Marketplace disclaimer

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).