Let me Cover All of Your Rainy Days

Get the right insurance plans for peace-of-mind!

About Us

Protecting Futures


We have years of insurance experience helping clients prepare for the unknown. Ask us about:

  • Medicare Advantage Plans
  • Medicare Supplements
  • Life Insurance and Final Expense
  • Dental, Vision, Hearing, Hospital Indemnity, Cancer, Long Term Care
  • Annuities

We can access many different insurance products thru many different companies so we can find the right policy for you.

Assessing Your Needs


A lack of the right kind of insurance can spell trouble quickly. Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price.

Let Penny cover your rainy days

Find out more

Building Relationships



The Purple Penny

Let's get to know each other

Penny Neil known by many as "The Purple Penny" loves to have fun and laugh with her family, friends and clients but when it comes to her client's welfare, she is all business. Her biggest concern is finding the policy that will meet your needs for the least amount of premium. Penny's father, mother,  grandfather and uncle were The Rutherfoord Insurance Agency in Roanoke, VA for many many years. Even though Penny has lived in Botetourt County for 50 years, she enjoys helping people all over this great valley of ours and beyond. As a senior herself, she wants to make sure that our seniors are well cared for in their insurance needs especially  with Medicare. She also wants to help younger people get started off right with life insurance while it is still very affordable for them.  No matter your age or situation you need to give Penny a call to learn more about the different types of insurance products that are available.  

Find out more


Your Agent for Life


Mary Rutherfoord Neil (Penny) grew up in an insurance family in Roanoke, VA with her grandfather, father and mother as owner -  agents of RUTHERFOORD INSURANCE AGENCY. She learned from the family how important insurance is for everyone. It takes the stress of "what if... ?" off of your mind so you can enjoy all the different stages of your life. In those different stages  you need different types of insurance. As an independent insurance agent she can start where you are now and map out a plan of what you need now and on into the future so you can make a plan. 


Contact Us

Schedule a Free Asessment

Better yet, ask for an appointment to see us in person!

We love our clients, so feel free to make an appointment to visit us in person.

(540) 529-6537



P.O. Box 384, Fincastle, VA 24090, us

(540) 529-6537


I am open by appointment any day of the week.