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2024

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Best Life Insurance Companies in Utah

Our Recommended Top 11

We did the research for you!

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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.

146629Reviewed

87981Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

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

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.

  • Health Insurance
  • Life Insurance

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

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.

  • Health Insurance
  • Life Insurance

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

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.

  • Health Insurance
  • Life Insurance

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

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

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.

  • Individual Plans
  • Health Insurance
  • Life Insurance

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
  • Whole Life Insurance
  • Life Insurance

Compare our Top Life Insurance Companies

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

FAQs

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

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