Independent · Licensed · Local

Protecting what matters most.

Long-term care. Annuities. Life insurance. Final expense. Cancer. Dental. Real answers from a broker with 21+ years in the business.

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21+YEARS OF EXPERIENCE

2,000+CLIENTS SERVED

18+STATES LICENSED

Your retirement plan has gaps.

Medicare won’t cover long-term care. Your 401(k) isn’t protected from market crashes. A life insurance policy alone can’t fund your heirs’ tax burden. Main Street Policies fills the gaps Medicare and your retirement plan leave wide open.

Coverage for every chapter.

Independent means we shop every major carrier. You get the right product — not the one with the biggest commission.

01 /

Long-Term Care

The #1 uninsured risk in retirement. 70% of people 65+ will need long-term care. Medicare pays for almost none of it. Policies built for today’s cost of care.

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Annuities

Guaranteed lifetime income. Protection from market crashes. Tax-deferred growth. The only retirement tool that pays you every month whether markets cooperate or not.

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Life Insurance

Term, whole, indexed universal. Protect your income, your legacy, and the people who depend on you. No medical exam options for most policyholders under 65.

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Final Expense

Designed for seniors. Whole life policies $2,000 to $40,000 with guaranteed acceptance options. Covers funeral, burial, and final medical bills so your family doesn’t.

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Cancer Insurance

Lump-sum cash on diagnosis. Use it for anything — treatment, lost income, travel for specialists, or just staying afloat while you focus on getting better.

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Dental & Vision

Medicare doesn’t cover routine dental or vision. Standalone plans for seniors starting at $25/month. Real coverage that kicks in on Day 1.

Meet Your Broker

Straight answers from someone who’s been there.

Brian Penner is a licensed insurance broker with 21+ years of experience and 2,000+ clients served across 18+ states. Main Street Policies is Brian’s independent agency built to help working families and retirees protect what they’ve built — without the jargon, the pressure, or the one-size-fits-all pitch.

No call centers. No overseas reps. Just a real broker who picks up the phone.

Your 30-minute no-pressure call.

Tell me what you’re worried about. I’ll tell you what’s available. If something fits, great. If not, you walk away smarter — either way.Schedule Your Call