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Best Life Insurance Companies in Utah

Our Recommended Top 11

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Our goal is to connect people with the best local professionals. We scored Utah life insurance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Life Insurance Companies Serving Utah
Utah

Expertise.com Rating

Review Sources

Google
4.0 (5)

Why choose this provider?

SLC Insurance works with individuals, families, and business owners in Utah to get the protection they need in the event of an unexpected circumstance. The company provides a variety of life insurance products, including group insurance, key person insurance, and second-to-die insurance. Its program also includes coverage for auto, vision, health, property, travel, and dental insurance. This independent insurance agency provides a personalized approach to assisting clients in fully comprehending the insurance policies that best suit their needs.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Utah
Utah

Expertise.com Rating

Review Sources

Google
4.1 (29)
Yelp
3.0 (2)

Why choose this provider?

Beehive Insurance serves clients in Utah who are searching for life assurance products. The agency has individual life and health options that cover a specific term or the insured's entire life. Large and small group benefits solutions are available for business establishments. The team has programs that protect against workers' compensation claims and cyber liability. Beehive Insurance was opened in 1961. It has add-on services for customers with cybersecurity and background-screening needs. Partners include Chubb and The Hartford.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Utah
Utah

Expertise.com Rating

Review Sources

Google
4.5 (18)
Facebook
5.0 (9)

Why choose this provider?

New York Life Utah serves clients in the state. It helps people prepare for life's uncertainties through a variety of life insurance options, including term, whole, universal, and survivorship life insurance. Some of the other products it offers are fixed deferred and lifetime income annuities, mutual funds, individual disability plans, and health insurance policies. A partner at the agency, Scott Primm, has been in the financial services industry for more than 17 years.

  • Group Plans
  • Individual Plans
  • Health Insurance

Best Life Insurance Companies Serving Utah
Utah

Expertise.com Rating

Review Sources

Google
4.4 (14)

Why choose this provider?

Cambridge Financial Group caters to clients across Utah. It helps them manage tax-related costs and maintain their beneficiary's lifestyle through life insurance products. The company primarily offers policies from Penn Mutual. It also provides estate planning services and prepares a variety of documents, ranging from trusts to wills. Michael Pendergrass, its founder and president, has been in the financial advisory industry for more than a decade. He received the National Sales Manager of the Year Award in 2017 from Penn Mutual.

  • Life Insurance

Best Life Insurance Companies Serving Utah
Utah

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
5.0 (3)

Why choose this provider?

Wiggill's Insurance caters to the Utah community and nearby areas. Founder Steven Wiggill is an American National agent who assists clients seeking different types of customizable insurance plans suitable for their personal needs and preferences. One of his offerings is life insurance covering term, whole, universal, disability, and accidental death options. In addition, he arranges protection plans for entrepreneurs, retirees, drivers, farmers, and homeowners. Commercial insurance products, such as general liability, fleet, and workers' health compensation, are also available.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Utah
Utah

Expertise.com Rating

Review Sources

Google
5.0 (45)
Facebook
5.0 (11)

Why choose this provider?

Axcess Insurance serves clients in Utah. The agency discusses with the clients their life insurance needs and helps them find a policy that’s right for them. It offers two primary types of life insurance, which are term and whole life plans. It also assists individuals in obtaining auto and home insurance. It extends its services to businesses, offering general and professional liability, business property, and workers’ compensation insurance. The family-owned and family-operated agency works with various insurance carriers to help clients find suitable policies for their needs.

  • Term Life Insurance
  • Life Insurance
  • Whole Life Insurance

Best Life Insurance Companies Serving Utah
Utah

Expertise.com Rating

Review Sources

Google
5.0 (70)
Facebook
4.6 (34)

Why choose this provider?

Western States Insurance is an independent agency that offers a selection of policy premiums for individuals, families, and businesses in Utah. Its life insurance policy protects its principal clients and their dependents from financial burdens that may come from debt, mortgages, educational savings, and lack of income. Its team of agents also offers insurance for health, automotive vehicles, travel, and business. The agency has been in operation for over 40 years and was awarded one of the Best Practices Agencies in the U.S. in 2019.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Utah
Utah

Expertise.com Rating

Review Sources

Google
4.5 (114)
Facebook
5.0 (6)

Why choose this provider?

Ultralia Insurance Group in Utah assists clients to protect their most valuable assets. The agency provides life insurance plans for individuals, families, and businesses. It also works with clients seeking insurance policies for home, flood, earthquake, auto, business, and farm. It handles employee and individual benefits and workers' compensation as well. Ultralia Insurance Group was founded in 2015 by a group of insurance agents who have been in the industry for over 15 years. The agency conducts business across the country.

  • Life Insurance

Best Life Insurance Companies Serving Utah
Utah

Expertise.com Rating

Review Sources

Google
4.3 (6)

Why choose this provider?

WML Insurance Agency is a family-owned and family-operated company that has been serving individuals and businesses throughout the state of Utah for more than two decades. Its agents walk clients through the options they have when looking for life insurance and match them with the policy that will best suit their unique needs and lifestyles. In addition to life insurance policies, WML Insurance Agency also helps clients obtain home, auto, commercial, and recreational insurance plans.

  • Life Insurance

Best Life Insurance Companies Serving Utah
Utah

Expertise.com Rating

Review Sources

Google
4.9 (40)
Facebook
5.0 (19)
Yelp
5.0 (3)

Why choose this provider?

Custom Insurance Solutions is an independent agency catering to the residents of Utah. It focuses on personal and business policies, including life and child life insurance. Worker's compensation, manufacturer, and homeowners' association insurance are also handled by the agents. In addition, its professionals offer personal insurance options, including renters' and vehicle plans. The company has been in the service of its customers for more than 10 years. In 2020, Custom Insurance Solutions won the Agency of the Year award from Sublimity Insurance.

  • Life Insurance

Best Life Insurance Companies Serving Utah
Utah

Expertise.com Rating

Review Sources

Google
4.9 (415)
Facebook
4.8 (75)
Yelp
3.3 (18)

Why choose this provider?

InsurePro helps Utah citizens prepare for unexpected life events through its partnership with many insurance carriers, such as Nationwide and MetLife. The local, independent agency tailors term and whole life insurance products for clients. Its agents also write individual and group health policies in addition to short- and long-term disability protection plans. Other products available cover automobiles, motorcycles, watercraft, RVs, and powersport vehicles against losses. Before starting his company, principal broker Torry Wilcox had spent six years working with Farmers Insurance.

  • Life Insurance
  • Individual Plans
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
SLC Insurance
Utah, UT
Beehive Insurance
302 West 5400 South, Suite 101, Utah, UT 84107
New York Life Utah
150 West Civic Center Drive, Utah, UT 84070
Cambridge Financial Group
10813 So. River Front Parkway Suite 575, Utah, UT 84095
Wiggil's Insurance
Utah, UT
Axcess Insurance
3263 S Hwy 89Ste 400, Utah, UT 84010
Western States Insurance
87 East Center Street, Utah, UT 84660
Ultralia Insurance Group
2850 S Redwood Rd., Ste. A4, Utah, UT 84119
WML Insurance Agency
838 East 3300 South, Utah, UT 84106
Custom Insurance Solutions
3300 N Running Creek Way Suite #E200, Utah, UT 84043
InsurePro
178 W 13490 S, Suite 201, Utah, UT 84020

Utah Life Insurance FAQs

  • How can Utah residents find details about an insurance company or agent?

    Individuals can utilize the Utah Insurance Department's online platform, which offers a search function to locate companies or agents. If the desired company or producer remains elusive, it's advisable to directly contact the Life Insurance Section. They can be reached at 801-957-9290 or through the toll-free line at 800-439-3805, facilitating a more comprehensive search to meet the resident's needs.

  • Does the Utah Insurance Department have the power to mandate an insurance company to settle a claim?

    In Utah, the Insurance Department lacks the direct authority to compel insurance companies to settle a claim. However, companies must adhere to the claim practices outlined in Utah Administrative Code Rule R590-191. Typically, insurers should respond within 15 days of receiving a claim. If a company needs more details, it should inform the claimant and provide updates every 30 days. Contact the Life Insurance Section if settlements take longer than 60 days.

  • How long do insurers in Utah have to challenge the validity of a life insurance policy?

    Insurers in Utah have a two-year contestable period from the purchase date of a life insurance policy. Within this timeframe, they can question the policy's legitimacy based on misrepresentations during the application process. After these two years, the insurance company cannot cancel your policy for reasons stemming from application inaccuracies or omitted information. Policyholders should be transparent and accurate during initial applications to avoid complications.

  • What are the financial implications for Utah families if a member passes away without life insurance?

    In Utah, if an individual passes away without life insurance, their family might face financial hardships. They could struggle with immediate expenses like funerals, unpaid debts, and student loans. If the deceased was a primary earner, monthly bills and future expenses, such as college tuition, might become burdensome. While those without children should also evaluate the financial aftermath for their spouse or loved ones, life insurance provides a safety net, ensuring families aren't burdened financially during grief.

  • What are the tax advantages of life insurance coverage in Utah?

    In Utah, life insurance provides significant tax benefits. The death benefit disbursed to beneficiaries is tax-free at the local, state, and federal levels. If one opts for permanent life insurance, the cash values accumulate without immediate taxation, deferring taxes until a payout occurs. Furthermore, policyholders won't face taxes on loans or withdrawals from a permanent life policy, offering additional financial flexibility.