About Legacy

We are an independent broker that
specializes in long term care insurance

Why Work With Us


Founded in 1999, Legacy is an independent broker that specializes in LTCi. We help you select the right product, insurance company, and benefit structure for your personal situation.


We have conducted 800+ seminars and 15,000+ phone consultations. From this experience we developed an educational process that gives you the knowledge to make informed decisions.


Our agents provide price comparisons on the
top traditional and hybrid products. They also
explain coverage options, tax strategies, and
carrier ratings to help you find your best LTCi.

Meet Our Team

Brad Winnekins


Brad founded Legacy in 1999.
His analysis of long term care insurance products has been featured in Kiplinger’s Personal Finance, The Wall Street Journal and Employee Benefit News.

Brad enjoys playing music, hiking, and reading American history.

Cary McGroarty


Cary McGroarty has specialized in LTCi since 2002. She wears many hats at Legacy, including office manager, accountant, licensing, underwriting, and assists with new program implementations.

Cary enjoys playing volleyball, hiking, & spending time with family.

Jeff Penisten


Jeff has specialized in LTCi since 1996. In 2007 he received the Sales Achievement Award for being in the top 100 nationally from AALTCI. Jeff is also a certified long term care professional (CLTC).

Jeff enjoys motorcycle touring, gardening, and pickle ball.

Kim Raffel


Kim has specialized in LTCi since 2000. He joined Legacy after working at John Hancock. Kim’s responsibilities include phone consultations, onsite seminars, and product analysis.

Kim enjoys bicycling, canoeing, and camping with his family.