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Life Insurance in Utah

If the unexpected happened, and your family was left to make ends meet without you, how would they fare? Would you be able to say you did everything you could for them before your death? If not, a Utah life insurance policy may be just what you need.

Obtaining a Utah life insurance policy quote is the first step towards leaving your family with the means to carry on without you once you’ve passed away. Your life insurance policy can be tailored to your family’s needs and goals within the laws relevant to life insurance in Utah.

Why do I need life insurance?

With life insurance coverage, you can feel secure knowing that your beneficiaries will have some help covering your final expenses and other financial needs they’ll face without you.

Utah was ranked 13th out of 50 states and the District of Columbia in life expectancy in 2014, with a life expectancy of 79.91. With this in mind, people living in Utah may want to consider their life insurance options.

Utah life insurance specifics

The insurance industry in Utah is regulated by The State Insurance Code of Utah. The state uses this code to regulate claims and provide certain provisions to protect Utah life insurance consumers. Such protections include the following:

  • Free Look Period
    According to the Utah state code, life insurance companies are required to give you a Free Look Period (also called a Policy Review Period) to review your policy and decide if you want to keep it. If you decide during this period (within 10 days of the issuance of the policy) that you don’t want to keep it, you can cancel the policy for a full refund.
  • Grace Period
    A grace period is allowed on late payments under the Utah state insurance code. If you miss a premium payment for any reason, most Utah life insurance providers must give you at least 31 days or four weeks to bring the account current before the insurer can cancel the policy for non-payment.

Keep in mind that the cost of monthly premiums should not be all you consider when shopping for insurance. Some policies may not adequately protect your family in their time of need.

Choosing the right carrier requires serious decision-making and thoughtful planning. Once you’ve compared your Utah life insurance quotes, consulting a licensed insurance professional can provide you with additional answers and peace of mind.

Utah life insurance state resources

Utah Insurance Department
The purpose of the Insurance Department is to faithfully execute the state insurance laws in a manner that protects insurance consumers and the Utah Life Insurance industry.

Utah Life & Health Insurance Protection Association
The state guaranty association is there to provide protection and continuing life insurance coverage in Utah, even in the event that a life insurance company becomes insolvent.

Life Insurance Company Ratings From A.M. Best, Standard and Poors and Moody’s
A.M. Best and Standard and Poors provide ratings for life insurance companies based on financial strength and past performance.

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