Utah’s life insurance laws are governed by Title 31A of the Utah Code.
- 10-day free look period (UT Code Ann. 31A-22-423)
- 31-day grace period (UT 31A-22-402)
- Claims not paid within 15 days of the life insurance company completing its investigation are subject to interest (UT 31A-26-301)
- Guarantees up to $500,000 for lost death benefits and $200,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Vermont’s life insurance laws and Virginia’s life insurance laws are nearly identical to those of Utah).
How Much Is A $10,000 Whole Life Policy In Utah?
The table below shows the rates by age of $10,000 of whole life insurance in Utah.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $15.34 | $17.08 | $13.83 | $16.03 |
| 25 | $15.89 | $18.26 | $14.72 | $17.17 |
| 30 | $16.99 | $19.52 | $16.59 | $19.38 |
| 35 | $18.39 | $22.12 | $17.42 | $21.19 |
| 40 | $20.86 | $25.30 | $19.74 | $23.71 |
| 45 | $24.03 | $28.50 | $22.50 | $27.31 |
| 50 | $27.29 | $33.73 | $24.37 | $32.10 |
| 55 | $32.62 | $39.58 | $28.40 | $36.66 |
| 60 | $39.29 | $47.69 | $32.77 | $42.67 |
| 65 | $48.07 | $58.03 | $40.82 | $50.88 |
| 70 | $60.64 | $71.67 | $52.45 | $60.02 |
| 75 | $97.52 | $133.30 | $71.57 | $94.43 |
| 80 | $134.50 | $182.47 | $97.88 | $135.39 |
| 85 | $187.54 | $258.04 | $131.72 | $192.47 |
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Best Life Assurance In West Jordan
Nestled in the heart of Salt Lake Valley, West Jordan is a vibrant city that harmoniously blends urban amenities with a small-town charm. As a significant part of the Salt Lake City metropolitan area, West Jordan offers its residents and visitors a unique mix of cultural, recreational, and economic opportunities. With the majestic Wasatch Mountains serving as a picturesque backdrop, the city boasts an array of parks, shopping destinations, and diverse dining options. Its thriving economy, complemented by the accessibility of top-tier educational institutions, makes West Jordan an attractive place for families, professionals, and adventurers alike. Whether you’re drawn by its scenic landscapes, seeking career opportunities, or looking for a welcoming community, West Jordan stands out as a city that promises a high quality of life.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| David Johnson at Comparion Insurance Agency | 6965 S Union Park Center Suite 270 | +18018492308 |
| Compass Insurance Advisors | 10573 S Redwood Rd H2 | +18018979023 |
| Pinnacle Insurance | 9067 S 1300 W #305 | +18012728900 |
| Villena Insurance Agency | 4225 Nike Dr B | +13857996147 |
| Behling Insurance Agency | 8817 S Redwood Rd Ste B1 | +18015903478 |
| Ridgeline Insurance Group | 8672 S Redwood Rd #1 | +18015667574 |
| Ability Insurance Agency | 7625 S 3200 W #1 | +18017277277 |
| Ultra Insurance Inc | 8539 S Redwood Rd C | +18016961981 |
| Farmers Insurance – Kyle Jones | 8831 S Redwood Rd Ste C2 | +18014173119 |
| Tu Seguro Utah | 7797 Gardner Stop Way #203 | +13857996147 |
| S&S Insurance Group | 7684 Gardner Stop Way | +14173792501 |
| Briceno Insurance | 8813 S Redwood Rd # D2 | +18019751123 |
Best Coverage In Salt Lake City
Nestled in the shadow of the majestic Wasatch and Oquirrh mountain ranges, Salt Lake City is a vibrant metropolis that seamlessly merges outdoor adventure with cultural sophistication. As the capital of Utah and the gateway to some of the country’s most spectacular natural landscapes, including five national parks, it offers an unparalleled mix of city life and outdoor recreation. From the historic Temple Square and the serene Great Salt Lake to the bustling downtown district with its burgeoning food scene, eclectic shopping, and innovative tech hub, Salt Lake City is a dynamic blend of the modern and the historic, the natural and the urban. Whether you’re drawn to the allure of the mountains for skiing and hiking or the charm of its streets and architecture, Salt Lake City promises a unique and unforgettable experience.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Link Insurance UT | 4583 Atwood Blvd | +18018938322 |
| Weah Agency | 2567 State St | +18016576671 |
| DIAMONDBACK INSURANCE AGENCY | 1338 Foothill Dr #222 | +18017844661 |
| Flexible Insurance Agency | S 2319 Foothill Dr #235 | +18015542075 |
| Insurance Network LC | 5005 900 E UNIT 200 | +18012666800 |
| Wise Choice Insurance UT | 2900 State St | +18017832432 |
| Northwestern Mutual Life Insurance | 1325 W 800 S | +18013559459 |
| adnan jasim insuranace agency | 715 E 3900 S #212 | +18016885729 |
| Secured Insurance Utah | 1341 State St #209 | +18014872285 |
| Prudential | Derek Adams | Life Insurance & Financial Services | Eagle Plaza, 4505 Wasatch Blvd #222 | +18018603167 |
You Won't Find A Lower Rate
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Best Policies In West Valley City
West Valley City, nestled in the heart of Utah, stands out as the state’s second-largest city, offering a rich blend of cultural diversity, economic growth, and community spirit. With the stunning Wasatch Mountain Range providing a breathtaking backdrop, West Valley City is a vibrant hub of activity, boasting a plethora of parks, entertainment options, and shopping destinations. The city is home to the Utah Cultural Celebration Center, emphasizing its commitment to showcasing arts and culture. Moreover, West Valley City’s strategic location makes it an attractive location for businesses and families alike, with its close proximity to Salt Lake City enhancing its appeal. Whether you’re drawn to its outdoor activities, diverse dining options, or the warm welcome of its residents, West Valley City presents a charming blend of suburban comfort and metropolitan convenience.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Link Insurance UT | 4583 Atwood Blvd | +18018938322 |
| Insurance Network LC | 5005 900 E UNIT 200 | +18012666800 |
| Liability Management Group | 3996 S 5600 W | +18018868888 |
| Ace Insurance | 1601 W 3500 S | +18015659090 |
| shopseniorbenefits.com | 6013 Laurel Canyon Dr | +13856263919 |
| Optima Insurance | 1980 W 3500 S | +18015212087 |
Best Life Cover In Provo
Nestled in the Utah Valley along the Wasatch Front, Provo stands as a vibrant city blending natural beauty, academic excellence, and entrepreneurial spirit. As the third-largest city in Utah, Provo is renowned for its picturesque surroundings, including the stunning backdrop of the Wasatch Mountain Range and the serene waters of Utah Lake. Home to Brigham Young University, one of the largest private universities in the United States, Provo not only boasts a strong educational foundation but also a youthful, energetic population that fuels innovation and cultural activities. The city’s economy thrives on a mix of education, technology, and healthcare sectors, making it a hub for startups and businesses. Provo’s residents enjoy a high quality of life with access to a plethora of outdoor activities, ranging from hiking and skiing to fishing and boating, ensuring a perfect blend of urban and natural living. With its friendly community, robust economy, and scenic beauty, Provo embodies the essence of Utah’s unique charm.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Pride Insurance Agency | 917 W 800 N | +18019978042 |
| Professional Insurance Solutions | 95 S 100 E | +18013693090 |
| Wasatch Medicare Solutions Group | 1405 Reese Dr | +18018291502 |
| Dream Insurance CO | 2037 N 550 W | +18012237036 |
| Legacy Insurance & Financial Services | 250 W Center St Suite 109 | +18018545394 |
| Big Pine Insurance Agency | 1675 Freedom Blvd 200 W Bldg. 2 Ste. B1 | +18016075241 |
| The Insurance Center, LLC Provo, Utah | 380 S 900 W | +18013741990 |
| Olsen Insurance and Retirement Solutions | 3305 N University Ave #100 | +18017340910 |
| Primerica | 1180 N Mountain Spgs Pkwy Suite 204 | +18013723917 |
Best Life Insurance In Saint George
Saint George, often celebrated for its breathtaking scenery and charming ambiance, is a gem nestled in the southwestern corner of Utah. This captivating city is a gateway to outdoor adventures, with its proximity to Zion National Park, making it a haven for hikers, bikers, and nature enthusiasts. Saint George boasts a vibrant community, rich in history and culture, evident in its well-preserved historical downtown, lined with galleries, shops, and restaurants. Its mild winters and sunny days attract retirees and tourists alike, contributing to the city’s reputation as a year-round destination. With its scenic landscapes, including the iconic red cliffs, and a growing array of recreational facilities, Saint George is a picturesque blend of natural beauty and modern living.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Main Street Insurance Agency | 780 N 2860 E #101 | +14356742221 |
| Legacy Insurance & Financial Services | 1664 S Dixie Dr H105 | +18012810066 |
| Beehive Insurance | 720 S River Rd Suite D2105 | +14356521400 |
| Paul Smith Insurance | 235 E Tabernacle St | +14357678313 |
| Farmers Insurance: Kristin Anderson | 1031 S Bluff St #102 | +14356284380 |
| Prudential | James Stasinos | Life Insurance & Annuities | 334 W Tabernacle St suite j-5 | +14356744934 |
| Red Cliffs Health Insurance | 2181 Arizona Dr | +18019106280 |
| Brilliant Insurance Solutions | 680 N 2380 E Cir | +17028845397 |
| Life Time Financial Products | 308 W Tabernacle St Suite 100 | +14352181172 |
| Protection Insurance Service UT | 370 N Donlee Dr | +14352220612 |
| Comfort Zone Insurance Utah | 525 S 1100 E | +14352503012 |
| Insurance Concepts | 40 N 300 E | +18004092415 |
You Won't Find A Lower Rate
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Top Life Insurance Companies In Utah
For the residents of the great state of Utah, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
“Immediate Solution” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 0 – 85 |
| Coverage | $1,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Underwriting has become stricter (e.g., no insulin)
- Coverage limited to $25,000 for older applicants
Mutual of Omaha
“Living Promise” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 45 – 85 |
| Coverage | $2,000 – $50,000 |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
“Protection Series” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Ages | 45 – 89 |
| Coverage | $2,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
