Hendersonville 828-692-9171 | Tryon 828-859-6700 mail@pennyinsuranceagency.com

“I trust Penny Insurance to protect what matters most to me.”

Caroine Gunther, owner
Wag, A Unique Pet Boutique!

Don’t put your health on hold.

From long-term care insurance to Medicare supplements, our team of agents will stay by your side while working to find you comprehensive policies that won’t force you to sacrifice quality care. No matter where you are located, you can count on us to get you coverage that is completely tailored to fit your needs

Contact us today for more information on the policies we can offer you or for an individual insurance quote at no charge.

Long Term Care Insurance

Life insurance protects a family, should a parent die too soon. But what protects a family when chronically ill parents outlive their savings? Long Term Care Insurance helps people who need help on a daily basis with an illness or disability.

Here are some things you should know:

  • Medicare will cover a short stay in a nursing home and/or a limited amount of in-home care, but only under very strict conditions. Under 65 health insurance covers even less.
  • 1 in 5 people over the age of 65 will need some type of long term care services in their lifetime at a cost of $3,000 to $5,000 a month. In fact, almost 40% of those receiving long term care services in a facility are between the ages of 18 and 64.
  • A Long Term Care insurance policy can cover at-home care, assisted living and nursing home.

Whether it’s for you, your parents or your grandparents, it’s important to know the options available to you. Call us today!


We understand that Medicare can be very confusing. That is why we have dedicated experts to help guide you through what can seem like a maze and help you to make sense of the process. As an Independent insurance agency, we represent many highly rated insurance companies which gives us the ability to shop the market for you and find the best coverage at the best price. Our process is consultative and educational because we want to make certain that you fully understand what you have purchased and how it works. Call us to get started.

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