Life Insurance St George Utah



Many St George Utah residents are asking where can I find life insurance near me in St George Utah? Are you looking for life insurance in St George Utah? The average per month price for term life insurance for a 35-year-old non-smoker who is healthy according to our quote 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 St George Utah residents ask when purchasing a policy are:

Can St George Utah citizens get a policy without a medical exam?

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

Do you work with estate attorneys for more complicated estate issues in St George 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. For those of you that need simple estate planning we have a free online will we notarize for free!

Do you have a dedicated agent for St George Utah?

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

What about term life insurance coverage that can be converted to whole life insurance for St. George 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.

Do you offer products that have living benefits for St. George 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 St. George 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.

Gender: Life expectancy is higher with women than men, they live an average of 81.1 years to mens 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. Often quitting can lower the price of your next policy.

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. A healthy diet and exercise before a medical exam could help with a better smart score.

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

Term Length: The longer term a policy has 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 the amount of 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. Repairing your credit can get you cost savings 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.

Does Wasatch Smart Finance offer life insurance products beyond term life insurance for St. George 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 us for more info on these life insurance products as an online quote is not efficient in tailoring them towards your individual needs!

St. George Utah Information
U.S Census data for St. George Utah
Wikipedia Entry for St. George Utah
St. George Utah Crime Statistics
St. George Utah Zip Codes: 84790 84770
St. George Utah Microblading

ST. GEORGE WEATHER

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?