Our services · Life, Health & Medicare · Gothenburg, NE
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 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.
02
Health Insurance
Individual, family, self-employed, and travel
Health Insurance details and FAQ →
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.
Travel Medical Insurance
Planning a trip outside the United States? Travel medical insurance can help protect you from unexpected medical expenses while you’re away, including emergency medical care and medical evacuation. Coverage varies by plan, so we’ll help you understand what’s covered before you travel.
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.
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 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.
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 liquidity and flexibility for investments, purchases, and 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
Spencer Legacy Insurance is an independent, faith-based insurance agency at 828 Lake Avenue Suite C in Gothenburg, in central Nebraska. Independent since 2004, we help families, farms, and businesses with life insurance, health insurance, Medi-Share, Medicare, annuities, long-term care, and the Infinite Banking Concept.
© 2026 Spencer Legacy Insurance
Independent Insurance Agency