Insure Your Future.
Protect Your Loved Ones.
Plan with Confidence. Insure Your Future.
Protect Your Loved Ones.
Plan with Confidence. Insure Your Future.
Protect Your Loved Ones.
Plan with Confidence.

Life is full of uncertainties, but the right insurance coverage can provide peace of mind, financial security, and access to essential healthcare.

Whether you're planning for the protection of your family, or ensuring your business has the right coverage, we’re here to help you navigate your options.
Medicare
Quality Healthcare for Your Golden Years
Navigating Medicare can be complex, but it’s essential for ensuring access to quality healthcare as you age. The right Medicare plan provides:
  • Comprehensive Coverage – Helps cover hospital stays, doctor visits, prescriptions, and preventive care.
  • Cost Savings – Reduces out-of-pocket expenses compared to private insurance.
  • Flexibility – Options like Medicare Advantage and Medicare Supplements allow you to customize your coverage to fit your needs.
Individual & Group Health Insurance
Coverage That Works for You
Healthcare costs can be unpredictable, making health insurance a necessity for individuals, families, and businesses.
  • Individual Health Insurance – Ideal for those who are self-employed, between jobs, or don’t have coverage through an employer. Options include ACA marketplace plans, short-term coverage, and private health insurance.
  • Group Health Insurance – A valuable benefit for businesses looking to attract and retain employees. Group plans often provide: 
    • Lower premiums than individual plans
    • Comprehensive coverage options for employees and their families
    • Tax advantages for employers
Life Insurance
A Legacy of Protection
Life insurance isn’t just about planning for the unexpected—it’s about ensuring your loved ones are taken care of when they need it most.
  • Financial Security – Protects your family by covering mortgage payments, daily expenses, and future education costs.
  • Debt Protection – Helps pay off outstanding loans and debts, reducing financial strain on your loved ones.
  • Estate Planning – Provides a tax-free benefit that can be used to preserve your legacy.
Long-Term Care
Preparing for the Future
As we age, the need for long-term care becomes more likely. Traditional health insurance and Medicare may not cover the full cost of extended care.
  • Protect Your Savings – Long-term care insurance helps cover nursing home, assisted living, and in-home care expenses.
  • Reduce the Burden on Loved Ones – Ensures that family members won’t have to shoulder the cost of care alone.
  • Greater Control Over Care Choices – Allows you to access quality care while maintaining financial independence.
Final Expense Planning
Peace of Mind for You & Your Family
End-of-life expenses can add up quickly, leaving loved ones with unexpected financial burdens. Final expense planning ensures:
  • Coverage for Funeral & Burial Costs – Helps pay for services, cremation, or burial expenses.
  • No Burden on Family – Your loved ones won’t have to worry about how to cover final costs.
  • Affordable Options – Small, affordable policies designed to cover specific end-of-life expenses.
Annuities
Guaranteed Income for a Secure Retirement
Annuities provide a steady stream of income during retirement, ensuring you won’t outlive your savings.
  • Predictable Income – A reliable source of income for life or a set period.
  • Tax-Deferred Growth – Your investment grows tax-free until you begin withdrawals.
  • Customizable Options – Choose from fixed, variable, or indexed annuities based on your financial goals.

Let’s Build a Plan That Works for You

No matter your stage in life, having the right coverage ensures financial stability, protects your loved ones, and prepares you for the future. Contact us today to explore your options and create a personalized plan that fits your needs.

Skip Sprye, CLU, ChFC

252-937-7547 Office
252-908-4125 Cell
skip@skipsprye.com

Michelle Sheppard

252-937-7547 Office
252-903-3219 Cell
michelle.bowen252@gmail.com

Contact Us

Get the right coverage, secure your finances, and gain peace of mind.
Let’s build a plan that works for you—contact us today!
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