Last updated: July 2026
Spencer Life Agency is a trade name used by Keith Spencer, an individual licensed insurance producer, for his insurance practice. It is not a separate company and not an insurance company, and it does not issue insurance policies. Insurance products are offered through the insurance carriers that appoint Keith Spencer, and those carriers issue and stand behind the policies.
Producer: Keith Spencer
Resident state: Indiana
National Producer Number (NPN): 21442482
You can verify an insurance producer's license through your state department of insurance or the NAIC's national producer lookup.
Affiliation: Keith Spencer is an independent agent affiliated with Symmetry Financial Group.
Insurance products are offered only in states where Keith Spencer is appropriately licensed and appointed by the issuing carrier. Nothing on this website is an offer to sell or a solicitation to buy insurance in any state where that offer or solicitation would be unlawful.
Product availability, features, riders, underwriting standards, and pricing vary by state and by carrier.
Keith Spencer is a resident licensed producer in Indiana and is licensed in additional states. If you'd like to confirm whether he can serve your state, just ask before we get started.
Everything on this site is general educational information about insurance concepts and strategies. It is not individualized advice, and it is not a recommendation to buy, keep, change, or cancel any policy.
Nothing on this site creates insurance coverage. Coverage exists only when a carrier issues a policy and all policy requirements are met. Submitting a form, taking the scorecard, using a calculator, or booking a call does not create coverage or bind any carrier.
We are not attorneys, accountants, tax advisors, or investment advisors, and nothing here is tax, legal, accounting, or investment advice. Please consult a qualified professional about your own situation.
If anything on this website conflicts with a policy, illustration, or other document issued by an insurance carrier, the carrier's documents control. Read your policy. Benefits, exclusions, limitations, waiting periods, and terms are governed by the contract and by applicable state law.
No approval, coverage amount, premium, benefit, or policy performance is guaranteed. Applications are subject to carrier underwriting, and carriers may decline, rate, or modify an application.
The Freedom Date calculator and the Family Protection Scorecard on this site are educational estimating tools. They use only the information you enter, run entirely in your browser, and are not illustrations or projections of any insurance product.
Calculator results assume the inputs you provide remain unchanged, and real life rarely works that way. Results are not a quote, not a guarantee, and not a substitute for a current carrier illustration or a conversation about your actual situation.
Any client stories or examples on this site describe individual experiences. They are shared with permission and, where appropriate, anonymized. Individual results depend on personal circumstances, product selection, underwriting, funding, and other factors.
Nothing in a story or example should be read as typical, expected, or guaranteed for anyone else.
Information about becoming an agent describes a 1099 independent-contractor opportunity. Compensation is commission-based and is not guaranteed. Agents may incur expenses including licensing, background checks, continuing education, insurance, technology, leads, travel, and general business operating costs. Commissions may be reversed or charged back if policies cancel or do not remain in force.
Individual results vary significantly. Some agents build substantial businesses, and some earn little or no income. Any personal results described are those of a specific individual and are not a representation of typical results.
You do not pay a separate consultation fee. If a policy is placed, the insurance company compensates Keith Spencer through commissions reflected in the product's pricing. Commission amounts and structures vary by product and carrier. A policy that cancels early may result in some or all of that commission being reversed.
Carrier names, product names, and logos referenced on this site are the property of their respective owners. Their use does not imply endorsement of this website beyond an ordinary producer relationship.
If you provide your phone number, we may call or text you regarding your inquiry. Consent to be contacted is not a condition of purchasing insurance. Message and data rates may apply. Reply STOP to opt out of texts, or simply tell us to stop.
Please do not send Social Security numbers, bank account information, or detailed medical records through website forms. Sensitive information belongs in the formal application or another secure process.
This site links to third-party services including Calendly for scheduling and YouTube for video content, and may link to other websites. We don't control those sites and aren't responsible for their content, accuracy, or privacy practices. Their terms and policies apply when you use them.
Website content, design, and original materials are © 2026 Spencer Life Agency unless otherwise noted. Please don't reproduce or redistribute them without permission.
We may update these disclosures as the business, products, or requirements change, and the date at the top reflects the most recent update. These terms are governed by applicable state and federal law, including the insurance laws of the states in which Keith Spencer is licensed.
If anything here is unclear, or you want to verify licensing before we talk, reach out directly. You can also verify an insurance producer's license through your state's department of insurance.