Life Insurance Sandy Utah
Many Sandy Utah residents are asking where can I find life insurance near me in Sandy Utah? Are you looking for life insurance in Sandy Utah? The average per month for term life insurance for a 35-year-old non-smoker who is healthy according to our quoter is as little as 18 dollars a month for a million-dollar policy for 10 years and as much as 33 dollars for a 20-year term life insurance policy.
Questions many Sandy Utah residents ask when purchasing a policy are:
Can Sandy Utah citizens get a policy without a physical exam?
Our specialty is products with out a physical exam! We offer 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 and pick the products that have no medical exam that are usually only a few dollars more than the average product!
Do you work with estate attorneys for more complicated estate issues in Sandy Utah?
We would love to work with you and your estate attorney for any questions you might have regarding using life insurance to complete your estate.
Do you have a dedicated agent for Sandy Utah?
The great news is we have an advisor dedicated to all matters of life insurance in Sandy Utah! Kit Eizenga is our foremost insurance advisor for this area!
Do you offer products that have living benefits for Sandy 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!
What are the factors towards getting the lowest rate in life insurance in Sandy Utah?
Age: Of course age is one of the biggest factor that can affect the pricing of an insureds life insurance coverage. The older you get the more likely an insurance carrier will have to pay on your policy.
Gender: Life expectancy is higher with women than men They live an average of 81.1 years to a mans 76.1. 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 smoking can greatly decrease your rates.
Health: Insurance Carriers often require a physical 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 will be added in to your policy rates. There are also dangerous careers such as asbestos removal, roofers or 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 thought this is obvious the higher the amount your coverage the more 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. Fix your credit before applying for life insurance.
Driving History: Risky Behaviors such as getting multiple speeding tickets over a short time period could push your life insurance rates up.
What about term life insurance coverage that can be converted to whole life insurance for Sandy Utah residents?
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.
Does Wasatch Smart Finance offer life insurance products beyond term life insurance for Sandy 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 with an online quote is not efficient in tailoring them towards your personal needs!