Life Insurance Heights Utah

Many Fruit Heights Utah residents are asking where can I find life insurance near me in Fruit Heights Utah? Are you looking for life insurance in Fruit Heights Utah? The average per month for term life insurance for a 35-year-old non-smoker who is healthy according to our average quote is as little as 18 dollars a month for a million-dollar policy for 10 years and as much as 33 for a 20-year term life insurance policy.

Questions many Fruit Heights Utah residents ask when purchasing a policy are:

Do you assist with Estate Planning needs?

We do we sit down with Estate Planning attorneys to plan your estate with life insurance. In case you can not afford an estate planning attorney we have a free online will.

Do you have a dedicated agent for Fruit Heights Utah?

The great news is we have an advisor dedicated to all matters of life insurance in Fruit Heights Utah! Kit Eizenga is our foremost insurance advisor for this area!

Does Wasatch Smart Finance offer life insurance products beyond term life insurance for Fruit Heights Utah dwellers?

We do offer many products beyond term life insurance! We offer whole life insurance, Infinity Banking concept products, universal life insurance products, indexed universal life insurance products, and annuities. Please contact for more info on these life insurance products as an online quote is not efficient in tailoring them towards your individual needs!

Can Fruit Heights Utah citizens get a policy without a physical exam?

Of course, we offer no physical exam products through Ethos Life that have no physical exam and minimal health questions. We also offer products through our own online life insurance quote engine get a quote there, you can find a life insurance product with no medical exam they are usually only a few dollars more than the average product!

What about term life insurance coverage that can be converted to whole life insurance in Fruit Heights Utah?

We have partnered with MassMutual and their fast and easy term life product called CoverPath! You can do term life quotes that are term life alone or that can be converted to whole life insurance in the future. This product has algorithmic underwriting that can be complete rapidly. As you know MassMutual is an A++ rated insurer.

What are the factors towards getting the lowest rate in life insurance in Fruit Heights Utah?

Age: Of course age is the biggest factor that can affect the price of someone’s life insurance coverage. The older you get the more likely an insurance carrier will have to pay on a policy. Often a longer policy purchase while you are younger is your best option.

Gender: Life expectancy is higher with women than men, hey live an average of 81.1 years to men 76.1 years. This helps decrease life insurance costs for women.

Smokers: Smokers pay a higher rate due to being susceptible to many diseases such as cancer and emphysema. Quitting today can get you better rates in the future.

Health: Insurance Carriers often require a medical exam and health records prior to issuing a policy. With this risk factors can be factored in to your life insurance rates.

Lifestyle: Hobbies that are high risk such as hang-gliding, skydiving or rock climbing an be added in to your policy rates. There are also jobs such as asbestos removal, roofers and being a stunt pilot that could place you in a higher risk category also.

Term Length: The longer you will hold a policy the more expensive it will be. This is why people are encouraged to get policies while they are younger. This also explains the difference between term and whole life insurance premiums costs.

Size of Coverage: Even though this is obvious the higher life insurance benefit the more premium you will pay.

Credit Score: Insurers now look at your credit score as a sign of longevity. The better your score the longer you are likely to live. Repair your credit for a better insurance rates across the board.

Driving History: Risky Behaviors such as getting multiple speeding tickets over a short time period could push your life insurance rates up. This can help with life and auto insurance.

Do you offer products that have living benefits for Fruit Heights Utah residents?

We offer products with living benefits! Check out our article titled “Advice on living benefits for life insurance and do Utahans need them?” here for more information!

Fruit Heights Utah Information
U.S Census data for Fruit Heights Utah
Wikipedia Entry for Fruit Heights Utah
Fruit Heights Utah Crime Statistics
Fruit Heights Utah Zip Codes: 84037
Fruit Heights Utah Hair Braiding


COVID-19 is on everyone’s mind this year. Read our update on it at “Should Utah residents worry about COVID-19 and life insurance?