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Protection, Planning, and Peace of Mind—All in One Place

At FCT Insurance, we guide you in making clear, confident choices about your future. Whether you’re preparing for retirement, protecting your family, or planning for the unexpected, we’re here with a full range of insurance solutions to fit your needs.

Medicare Insurance 

Medicare helps you get the care you need, whether through the federal program or a private plan with added benefits. It’s designed for people 65+ and others who qualify.

Annuities

Annuities can turn your savings into steady, reliable income during retirement. They’re a way to protect what you’ve earned and know you’ll have money coming in for years to come.

Life Insurance

Life insurance is a way to take care of the people you love, no matter what. It can help your family cover expenses, maintain their lifestyle, and focus on what matters most during a difficult time.

Disability Insurance

Disability insurance means your income is protected if life takes an unexpected turn. If an illness or injury keeps you from working, it helps you keep up with bills and focus on healing. 

Long-Term Care Insurance

Long-term care coverage helps you get the support you need, whether at home or in a care facility, while protecting your savings.

Wealth Management

Through First Community Trust, N.A.

 

Wealth management means looking at your whole financial picture. Our holistic approach, covering investments, retirement, estate planning, and insurance, helps you grow and protect your wealth, now and for the future.

Why Choose FCT Insurance

At FCT Insurance, we’re dedicated to delivering more than coverage—we provide clarity, confidence, and assurance you deserve. Here’s what sets us apart:

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Client-Centered Approach

We put your goals and concerns first. No cookie-cutter solutions, just personalized coverage that fits your unique situation.

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Experienced Advisors

Our licensed professionals bring decades of combined experience across insurance and financial planning to guide you wisely.

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Comprehensive Solutions

We offer a full suite of products for your life stage, ensuring your long-term goals are on track.

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Continuous Care

Your insurance needs evolve over time, and we’re here to adjust your coverage whenever life changes.

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Woman spending time with granddaughter, making jam

First Community Trust

More than insurance. A full financial picture.

Looking for retirement guidance, investment strategies, or estate planning support? FCT Insurance clients have access to wealth management services delivered by First Community Trust, offering holistic financial planning to help you grow, protect, and pass on your wealth with advice that’s always centered around your goals.

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Let's simplify your insurance journey.

From quick questions to long-term planning, our licensed advisors are here to guide you every step of the way. Fill out the form below, and we’ll reach out to schedule a personalized conversation.

Insurance and Wealth Management Products are: Not a Deposit; Not Insured by FDIC, NCUA or Any Government Agency; Involve Investment Risk, Including the Possible Loss of Value; No Credit Union or Bank Guarantee.

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FCT Insurance is an insurance agency not affiliated or endorsed by the government or Federal Medicare Program.​ We do not offer every plan available in your area. Currently we represent 5 organizations which offer 27 products in your area. Please contact Medicare. gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. This is a solicitation for insurance.

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