About Legacy

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

Why Work With Us

Focus

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.

Education

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.

Value

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

PRESIDENT

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.

Jeff Penisten

LTCi SPECIALIST

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

LTCi SPECIALIST

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.