What insurance products does Main Street Policies offer?

Main Street Policies specializes in long-term care insurance, annuities, life insurance (term, whole, universal), final expense, cancer and critical illness coverage, and standalone dental and vision insurance. We are independent and represent multiple top-rated carriers.

Where is Main Street Policies located?

Main Street Policies operates two offices: 627 24 1/2 Rd Unit H, Grand Junction CO 81505 (970-644-6954) and 880 S Main St Suite A, Moab UT 84532 (435-260-3200). We serve clients across 18 states by phone, video, and in-person.

Brian Penner is the founder of Main Street Policies and a licensed insurance agent with 21 years of experience. He has helped over 2,000 families across 18 states with insurance and retirement planning. He operates offices in Grand Junction Colorado and Moab Utah.

What states does Main Street Policies serve?

Main Street Policies is licensed in 18 states including Colorado, Utah, Arizona, Nevada, Idaho, Wyoming, New Mexico, Texas, Montana, Oregon, Washington, California, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia.

When should I buy long-term care insurance?

The best time to buy long-term care insurance is in your 50s, when premiums are most affordable and you are likely to qualify medically. Waiting until your 60s or 70s typically doubles the cost, and a health event can disqualify you entirely.

What is the difference between a fixed and indexed annuity?

A fixed annuity pays a guaranteed interest rate, similar to a CD. An indexed annuity ties growth to a market index like the S&P 500, with downside protection. You participate in market gains up to a cap, but never lose principal due to market drops.

Do I need life insurance if I am retired?

Many retirees still benefit from life insurance to cover final expenses, pay off remaining debts, leave a tax-free legacy to heirs, or fund estate taxes. Final expense and small whole life policies are common for retirees who want simple, affordable protection.

How is Main Street Policies different from a captive insurance agent?

Main Street Policies is an independent agency, meaning we represent multiple insurance carriers and shop the market on your behalf to find the best rates and coverage for your situation. Captive agents represent only one company and can only offer that company's products.

How do I get a quote from Main Street Policies?

Call 970-644-6954 in Grand Junction CO, 435-260-3200 in Moab UT, or email brian@mainstreetpolicies.com to schedule a free 20-minute consultation. There is no cost, no pressure, and no obligation. We provide plain-English advice and only recommend coverage that fits your needs and budget.

Does Main Street Policies serve Mesa County Colorado?

Yes. Our Grand Junction office at 627 24 1/2 Rd Unit H serves all of Mesa County Colorado including Grand Junction, Fruita, Palisade, and Clifton. We provide long-term care, annuity, life insurance, and supplemental coverage planning throughout western Colorado.

Insurance That Protects What You've Built

Long-term care, annuities, life, and final expense planning for families across Utah, Colorado, and 16 other states. Plain-English advice from a licensed independent broker — never a call center.

About us

Welcome to Main Street Policies — insurance beyond Medicare, built on 21 years of trust.

Every family's coverage needs are different. We're here to help you protect what matters — without the jargon or the sales pitch.

We believe in the transformative power of informed financial decisions and strive to provide expert guidance that goes beyond numbers – it’s about your dreams, aspirations, and the legacy you want to build.

Main Street Policies is led by Brian Penner, a licensed insurance agent with 21 years of experience helping over 2,000 families across 18 states.

We work one-on-one with you to build the right protection plan for your family — tailored to your stage of life, your budget, and your goals.

Our services

Protect your family and your future with insurance solutions built around your real life.

What Sets Us Apart

We’re here to guide you every step of the way. Your financial success is our priority.

Independent and unbiased

Plain-English advice, no jargon

Lifetime service, not just at sale

“Main Street Policies turned my financial story from struggle to success. Their team crafted a practical debt management plan, providing ongoing support and empowering me with financial skills. I'm on the path to financial freedom, all thanks to the success-driven approach of Main Street Policies!”

Emily P.

Debt Management

“We were nervous about annuities until we met Brian. He walked us through every option and never pushed. Our retirement income is now guaranteed for life.”

Sarah D.

Retirement Planning

“Brian helped us put life insurance in place for both of us in under a week. Honest answers, no upselling, and rates better than what we found online.”

John M.

Investment Management

“After 20+ years working with the same insurance guy who retired, finding Brian was a relief. Knowledgeable, patient, and treated us like family from day one.”