Our services
Nothing you build survives by accident.
Life, health, and retirement written for families, farms, and small businesses across Nebraska and more. We start by asking what you are protecting, then bring you the options that make sense.
On this page
Life Insurance
Health Insurance
Medi-Share
Medicare
Annuities
Long-Term Care
Infinite Banking
01
Life Insurance
Whole life and term
Life insurance is the part of the plan that works whether or not you are here to run it. Term covers a defined stretch of years for the lowest premium. Whole life never expires and builds cash value you own and can borrow against. Most families we work with end up holding some combination of both.
Term life
The most coverage for the least premium, for the years a mortgage and children are on the books.
Whole life
Permanent coverage with cash value that grows, and the foundation of an Infinite Banking policy.
02
Health Insurance
Individual, family, and self-employed
If you do not have coverage through an employer, the individual market is where you land, and the plan you pick matters more than the price alone. We compare networks, deductibles, and prescription coverage against how your household actually uses care, and we handle the enrollment paperwork with you rather than sending you a link.
04
Medicare
Supplement, Advantage, and Part D
Turning sixty-five brings a stack of mail and a set of deadlines. We sit down with you before the enrollment window, explain what original Medicare does and does not cover, and lay Supplement, Advantage, and Part D side by side.
Then we review it with you every year, because plan formularies and networks change even when your health does not.
05
Annuities
Retirement income
Saving for retirement and drawing an income from it are two different challenges. An annuity converts part of what you have built into payments that continue for as long as you need them, which takes the question of outliving your savings off the table. We look at what you have, what you will need, and how much of it needs to be guaranteed.
06
Long-Term Care
Home care, assisted living, and nursing care
Extended care is the single largest expense most retirees face, and often neither health insurance nor Medicare covers much of it. A long-term care plan pays for that care directly, which protects your legacy rather than spending it down month by month. The younger you are when you put it in place, the less it costs.
07
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.
Contact
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).
© 2026 Spencer Legacy Insurance
Independent Insurance Agency