Chris Spencer

Chris Spencer grew up on a farm in western Nebraska, where agriculture and family remain an important part of his life. Before entering the insurance business, he managed a shoe store, became part-owner of another, and spent nine years as a newspaper publisher. Those experiences gave him a broad understanding of small businesses, agriculture, and the people and families who make Nebraska communities strong.

Chris began his insurance career with a farm organization that brought him to central Nebraska. Over time, the company he represented was absorbed by a larger organization whose philosophy increasingly differed from his own approach to serving clients. That experience eventually led him to take a different path.

One conversation helped shape that path. A pastor once asked Chris a simple question: “Where can I put my money so I don't have to worry about supporting companies that allocate capital to industries or organizations that are contrary to my Christian faith?” Chris began looking for an answer. As he asked questions and explored the options available, he found that the choices did not align with the convictions he wanted to bring to his work.

In 2004, Chris became independent and started his own company, now known as Spencer Legacy Insurance. Independence allowed him to build his practice around the kind of client relationships and service he believed in. Through one of his professional contacts, Glen, Chris was introduced to people who shared his Christian convictions and, eventually, to the Infinite Banking Concept.

At his first meeting with Glen, Chris was introduced to Nelson Nash's book, Becoming Your Own Banker. As he learned more about the Infinite Banking Concept and the role that properly structured life insurance can play in a family's financial strategy, he recognized an approach that connected his faith with the work he was already doing to protect and serve families.

Chris began studying and implementing the Infinite Banking Concept with his clients and has continued to be a student of the concept ever since. Today, he focuses on helping individuals, families, and businesses understand how life insurance can be used not only for protection, but also as part of a thoughtful, long-term approach to managing and transferring wealth.

Through Spencer Legacy Insurance, Chris continues to provide insurance guidance with a focus on protection, stewardship, and generational planning. His goal is simple: to help clients understand their options, make informed decisions, and faithfully steward what God has entrusted to them.

After decades in the insurance business, Chris remains rooted in the Nebraska communities he has served since the beginning of his career. For him, the work has always been about building relationships, protecting families, and helping clients prepare for the generations that follow.