Life insurance companies in Utah operate within a steadily evolving market that emphasizes security and financial stability for individuals and families. This sector includes a variety of entities, ranging from well-established corporations to boutique agencies, each offering products tailored to different needs. Policies commonly available encompass term life, whole life, and annuities, as well as specialized options like long-term care insurance. With an increasing focus on customer-centric services and technology integration, the industry is moving toward greater transparency and accessibility, aiming to attract a younger demographic seeking reliable insurance solutions.


The 22 companies featured here vary in size and foundation, including corporate giants and intimate family-owned firms. They are primarily based in Salt Lake City, with some reaching into surrounding areas. Founded between 1905 and 2020, they showcase a breadth of specializations in life insurance, health insurance, and financial planning. This range reflects a commitment to serve both individuals and businesses, meeting varied insurance needs with a focus on personalized service.


Read on to explore the top life insurance companies in Utah.


Top 22 Life Insurance Companies in Utah


1. Beneficial Financial Group

  • Website: beneficialfinancialgroup.com
  • Ownership type: Corporate
  • Headquarters: Salt Lake City, Utah, United States (USA)
  • Employee distribution: United States (USA) 78%, Cameroon 11%, Canada 11%
  • Latest funding: December 2019
  • Founded year: 1905
  • Headcount: 201-500
  • LinkedIn: beneficial-financial-group

Beneficial Financial Group, operating as Beneficial Life Insurance Company, is based in Salt Lake City, Utah. Established in 1905, it is the oldest life insurance company in the Intermountain West. The company focuses on providing life insurance and financial services, including various life insurance policies and annuities aimed at individuals and families. Beneficial Life has a strong commitment to customer service, ensuring that clients receive assistance with policy management and claims processing. The company has maintained a robust financial position, with total admitted assets exceeding $1.8 billion and a significant insurance in-force amounting to $8.5 billion as of the end of 2023. Beneficial Life has a history of honoring its commitments, having paid claims during significant historical events without invoking policy clauses that could have limited payouts. This dedication to policyholders has helped the company build trust and reliability in the industry.


2. Insurance Concepts Inc.

  • Website: insurcon.com
  • Ownership type: Corporate
  • Headquarters: Salt Lake City, Utah, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: November 2010
  • Founded year: 1978
  • Headcount: 1-10
  • LinkedIn: insurance-concepts-inc.

Insurance Concepts Inc. is an insurance agency based in Salt Lake City, Utah, founded in 1978 by Kenneth H. Church. The agency has built a reputation for providing personalized service and tailored insurance solutions to individuals, families, and businesses. With a small team of dedicated professionals, Insurance Concepts focuses on understanding the unique needs of their clients, ensuring they receive appropriate coverage across various insurance products. Their offerings include auto, home, business, health, recreational vehicle, farm, and life insurance. The agency is licensed to operate in several states, including Utah, Colorado, Wyoming, Idaho, Arizona, Nevada, and California. Over the years, Insurance Concepts has developed strong relationships with multiple insurance carriers, allowing them to present clients with a range of options to suit their specific requirements. Their commitment to customer service is evident in the testimonials from satisfied clients who appreciate the agency's responsiveness and support during claims processes.


3. Blackburn Jones Company


Blackburn Jones Company, based in Ogden, Utah, is a family-owned insurance agency that has been serving clients since 1944. With a team of 15 employees, the agency provides a wide range of insurance products, including auto, home, life, health, and commercial insurance. Their approach centers on building personal relationships with clients, ensuring tailored insurance solutions that meet individual and business needs. Over the years, Blackburn Jones has developed a reputation for attentive customer service and thorough consultations, which have helped them maintain a loyal client base. The agency operates two locations in Northern Utah and has a strong commitment to risk management and asset protection for both individuals and businesses.


4. Poulton Insurance Services Inc


Poulton Insurance Services Inc, established in 1956, is a private insurance agency located in Salt Lake City, Utah. The company specializes in providing a wide array of insurance products, including auto, homeowners, commercial, and life insurance. With a team of 11 to 50 employees, Poulton Insurance aims to serve both individual consumers and businesses, helping them manage risks and protect their assets through tailored insurance solutions. The agency prides itself on building strong relationships with clients and emphasizes personalized service. Poulton Insurance represents various carriers that have received high ratings from AM Best, indicating a commitment to quality and reliability in the insurance products offered. The agency operates nationwide, providing services across all states in the U.S.


5. Sentinel Security Life Insurance Co.


Sentinel Security Life Insurance Company, based in Salt Lake City, Utah, has been a steadfast player in the insurance and financial services sector since its inception in 1948. The company specializes in life insurance and annuities, aiming to provide individuals and families with essential tools for retirement planning and financial stability. Over the years, Sentinel has expanded its product line to include various annuity options, reflecting its adaptability to market demands. As a member of the A-CAP family, Sentinel Security Life continues to prioritize customer service and financial security, ensuring that clients receive the support they need for their long-term financial goals. The company has achieved significant milestones, including surpassing $500 million in assets, which underscores its growth and commitment to the industry.


6. Silver Key Benefits

  • Website: silverkeybenefits.com
  • Ownership type: Private
  • Headquarters: Salt Lake City, Utah, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2016
  • Headcount: 51-200
  • LinkedIn: silver-key-benefits

Silver Key Benefits, founded in 2016 and based in Salt Lake City, Utah, is a private financial services firm specializing in retirement strategies and insurance products. With a team of dedicated professionals, the company assists clients in navigating their insurance needs, including Medicare, life insurance, and long-term care strategies. Their mission is to provide clients with the right coverage at an affordable price, ensuring financial security and confidence in retirement planning. Silver Key Benefits emphasizes a client-centric approach, focusing on education and support to help individuals make informed decisions about their financial futures. They operate multiple offices across several states, enhancing their reach and ability to serve clients effectively.


7. Risk Managers, LLC - Utah

  • Website: riskman1.com
  • Ownership type: Private
  • Headquarters: Salt Lake City, Utah, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2006
  • Headcount: 1-10
  • LinkedIn: risk-managers-llc-utah

Risk Managers, LLC - Utah is a private insurance agency based in Salt Lake City, Utah, founded in 2006. The company specializes in providing a range of insurance solutions tailored for both individuals and businesses. Their offerings include personal insurance, commercial insurance, life insurance, and health insurance. With a collective experience of over 100 years in the insurance industry, the team at Risk Managers is dedicated to guiding clients through their insurance needs, focusing on education and customer service. They aim to help clients manage their risks effectively, ensuring peace of mind through comprehensive coverage. The agency operates with a small team, emphasizing personalized service and community involvement, which reflects their commitment to their clients' well-being.


8. Heiner's Insurance Center

  • Website: heinerins.com
  • Ownership type: Private
  • Headquarters: Ogden, Utah, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1948
  • Headcount: 11-50
  • LinkedIn: heiner%27s-insurance-center

Heiner's Insurance Center, established in 1948 and located in Ogden, Utah, is a private insurance agency with a workforce of approximately 22 employees. The company provides a wide array of insurance products, including auto, motorcycle, health, life, and business insurance. Heiner's aims to serve both individual consumers and businesses, focusing on personalized service and competitive pricing. Their approach involves partnering with multiple insurance carriers to offer clients tailored coverage options. This strategy allows them to cater to various insurance needs while maintaining a commitment to clarity and customer education regarding policy details. Heiner's has built a reputation for its community involvement and customer-centric philosophy, which is evident in their outreach initiatives and resources available on their website.


9. Paradigm Life

  • Website: paradigmlife.net
  • Ownership type: Private
  • Headquarters: Salt Lake City, Utah, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2007
  • Headcount: 51-200
  • LinkedIn: paradigm-life

Paradigm Life, founded in 2007 and based in Salt Lake City, Utah, is a private financial services firm that focuses on wealth-building strategies and insurance products. The company offers a variety of services, including whole life insurance, annuities, disability insurance, long-term care insurance, and term life insurance. Their approach emphasizes educating clients about financial independence and providing customized strategies to help them achieve their financial goals. Paradigm Life has served over 8,500 clients, guiding them through the complexities of wealth management and insurance. The firm positions itself as a resource for individuals and families looking to secure their financial futures through innovative insurance solutions and strategic planning. They also provide educational resources, such as webinars and podcasts, to enhance client understanding of financial concepts and products.


10. Blue Mountain Insurance, Inc.


Blue Mountain Insurance, Inc. is a private insurance agency based in Provo, Utah, founded in 2002. With a small team of 1-10 employees, the company specializes in a range of insurance products, including life insurance, auto, homeowners, renters, health, pet, business, and franchise insurance. The agency serves both individual consumers and businesses, aiming to provide tailored insurance solutions that help clients manage risks and protect their assets. Over nearly two decades, Blue Mountain Insurance has built a reputation for customer service, reflected in its high customer ratings. The agency emphasizes quick coverage issuance and personalized service, which are critical in the insurance industry. Although it has not reported any funding, its operational history and customer-centric approach indicate a stable presence in the insurance market.


11. Bright Insurance Services

  • Website: brightinsuranceutah.com
  • Ownership type: Private
  • Headquarters: South Jordan, Utah, United States (USA)
  • Employee distribution: United States (USA) 78%, India 22%
  • Founded year: 2012
  • Headcount: 11-50
  • LinkedIn: four-seasons-insurance

Bright Insurance Services is an independent insurance agency based in South Jordan, Utah, founded in 2012. The agency specializes in a variety of insurance products, including home, auto, commercial, and notably, life insurance. With a team of 18 employees, Bright Insurance Services aims to provide personalized service to its clients, helping them secure financial protection against various risks. The agency emphasizes customer engagement, offering online quotes and direct contact options to facilitate the insurance purchasing process. Their focus on life insurance reflects a commitment to helping clients provide financial security for their loved ones. Bright Insurance Services operates primarily in the United States, with a small portion of its workforce based in India, indicating a blend of local and global operational strategies.


12. Advance Insurance Corporate


Advance Insurance Corporate, based in Orem, Utah, has been serving clients since 1978. This privately owned insurance agency specializes in a range of insurance products, including auto, home, health, life, business, and recreational insurance. With a team of knowledgeable professionals, Advance Insurance aims to provide personalized coverage options that effectively manage risks for individuals, families, and businesses. Their commitment to customer service is evident in their approach to building lasting relationships with clients. The agency collaborates with several well-known insurance providers, such as Allstate, Progressive, and Nationwide, to offer competitive quotes and comprehensive coverage. While they do provide life insurance, their broader focus on various insurance types may dilute their presence in the life insurance market specifically.


13. Cottonwood Insurance Inc.

  • Website: cottonwoodinsurance.com
  • Ownership type: Private
  • Headquarters: Salt Lake City, Utah, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1981
  • Headcount: 11-50
  • LinkedIn: cottonwood-insurance

Cottonwood Insurance Inc. is a private insurance agency based in Salt Lake City, Utah, founded in 1981. With a team of 41 employees, the agency specializes in a range of insurance products, including life insurance, home, auto, and business insurance. Cottonwood Insurance prides itself on its commitment to customer service and integrity, striving to provide clients with the best coverage options at competitive rates. The agency operates as an independent entity, representing several respected insurance companies, which allows them to tailor solutions to meet the unique needs of individuals and businesses alike. Their extensive experience in the industry, combined with a focus on building long-term relationships with clients, positions them as a reliable option for those seeking life insurance and other coverage.


14. Platinum Insurance Group, Inc.


Platinum Insurance Group, Inc., founded in 2016 and based in Pleasant View, Utah, operates as an independent insurance agency. The company provides a wide array of insurance products, including life insurance, auto insurance, home insurance, health insurance, and business insurance. With a team of approximately 40 employees, Platinum Insurance Group emphasizes personalized service, aiming to tailor insurance solutions to meet the unique needs of both individual consumers and businesses. Their life insurance offerings include individual and group policies, disability insurance, and key person insurance, showcasing their commitment to protecting clients' financial futures. The agency prides itself on its ability to shop around for the best rates and coverage options, leveraging relationships with multiple insurance carriers to deliver optimal solutions for its clients.


15. Guidetoinsure

  • Website: guidetoinsure.com
  • Ownership type: Private
  • Headquarters: South Jordan, Utah, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2015
  • Headcount: 11-50
  • LinkedIn: guidetoinsure

Guide to Insure, LLC, established in 2015 and based in South Jordan, Utah, is an insurance agency dedicated to providing customized life and health insurance solutions. The company operates across the United States, serving clients in all 50 states. With a team of licensed agents, Guide to Insure emphasizes understanding the unique needs of each client to craft comprehensive and affordable insurance solutions. Their mission is to build long-term relationships with clients, positioning themselves as a reliable partner in navigating the complexities of insurance. Additionally, Guide to Insure offers training and support for individuals aspiring to become licensed insurance agents, showcasing their commitment to fostering growth within the industry. The company has not reported any funding, indicating a self-sustained operational model.


16. Main Street Insurance Agency LLC


Main Street Insurance Agency LLC, based in St. George, Utah, has been serving clients since 1969. This independent agency specializes in a wide array of insurance services, including life insurance, health insurance, auto insurance, and business insurance. With a team of expert advisors, they cater to individuals, families, and businesses, helping them navigate their insurance needs. The agency prides itself on providing personalized service and competitive pricing by representing more than 100 insurance carriers. This extensive network allows them to offer tailored insurance solutions that meet the unique needs of their clients. Their commitment to customer service and policy reviews further underscores their dedication to helping clients manage risks effectively.


17. Great Western Insurance Company

  • Website: gwic.com
  • Ownership type: Corporate
  • Headquarters: Ogden, Utah, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: February 2018
  • Founded year: 1983
  • Headcount: 51-200
  • LinkedIn: great-western-insurance-company

Great Western Insurance Company, also known as Wellabe, is based in Ogden, Utah, and has been operational since 1983. The company specializes in providing health and life insurance products, with a particular emphasis on Medicare Supplement insurance, which helps seniors manage healthcare costs. In addition to Medicare plans, Wellabe offers preneed funeral insurance, dental insurance, hospital indemnity insurance, and first diagnosis cancer insurance. Their approach is centered on direct customer engagement, ensuring that clients receive the necessary support to navigate their insurance options effectively. Wellabe has received an A (Excellent) rating from AM Best, reflecting its strong financial health and ability to meet its ongoing insurance obligations. This rating is significant for potential policyholders looking for reliable coverage. The company operates entirely within the United States and has a workforce of approximately 100 employees, indicating a focused but capable operation in the insurance sector.


18. Trustco Insurance

  • Website: trustcoinc.com
  • Ownership type: Private
  • Headquarters: Salt Lake City, Utah, United States (USA)
  • Founded year: 1973
  • Headcount: 11-50
  • LinkedIn: trustco-inc.

Trustco Insurance, founded in 1973 and based in Salt Lake City, Utah, operates as an independent insurance agency. With a team of approximately 41 employees, the company prides itself on delivering tailored insurance solutions to individuals, businesses, and organizations. Trustco offers a wide array of insurance products, including personal, commercial, and specialty insurance, with a notable emphasis on life and health insurance. Their commitment to customer service is evident in their approach, which prioritizes flexibility and personalized coverage options. Trustco represents over 200 insurance carriers, allowing them to provide a range of choices to meet the unique needs of their clients. The agency has also developed specialized programs, such as the Homeowners Catastrophe Insurance Trust, which addresses specific risks like earthquakes and floods. This extensive involvement in the insurance industry positions Trustco as a capable player, though their broad focus may limit their recognition as a top-tier life insurance provider.


19. Team Nash

  • Website: nashinsurance.com
  • Ownership type: Private
  • Headquarters: Salt Lake City, Utah, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1989
  • Headcount: 11-50
  • LinkedIn: team-nash

Team Nash is an insurance agency located in Salt Lake City, Utah, established in 1989. The agency focuses on providing health and life insurance products, including Medicare plans, individual and group health insurance, and term life insurance. With a dedicated team of professionals, Team Nash emphasizes customer care and service, assisting individuals and families in navigating their insurance needs. Their extensive experience in the industry allows them to offer competitive products tailored to their clients' requirements. The agency is also involved in community initiatives, supporting local causes such as the Race for the Cure and the Guadalupe Schools. This community engagement reflects their commitment to not only serving clients but also contributing positively to their local environment.


20. Dibs Connect


Dibs Connect, also known as Majdas Touch Insurance, Inc., is an insurance brokerage based in Salt Lake City, Utah. Founded in 2020, the company operates with a small team and emphasizes a digital-first approach to insurance services. They provide a wide array of insurance products, including personal lines, commercial insurance, and luxury insurance, with life insurance being one of the offerings. The brokerage prides itself on personalized service, helping clients navigate the insurance market to find optimal coverage options. Majdas Touch has received recognition for its innovative practices and commitment to client satisfaction, positioning itself as a player in the insurance industry, particularly for high-net-worth individuals and businesses. The company operates under a model that allows it to work with multiple carriers, ensuring clients receive tailored solutions that meet their specific needs.


21. American Insurance

  • Website: american-ins.com
  • Ownership type: Private
  • Headquarters: Salt Lake City, Utah, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1958
  • Headcount: 11-50
  • LinkedIn: american-ins

American Insurance & Investment Corp, established in 1958, is a private insurance agency based in Salt Lake City, Utah, with additional operations in Las Vegas, Nevada. The company provides a wide array of personal and commercial insurance products, including auto, home, health, and notably, life insurance. Their life insurance offerings include individual policies, group life insurance, and key person insurance, catering to both personal and business needs. With a workforce of approximately 89 employees, American Insurance prides itself on delivering personalized service and tailored insurance solutions. They have built a reputation for exceptional customer service and are recognized as one of Utah's top commercial insurance agencies. Their commitment to client satisfaction is reflected in their high retention rate among commercial clients, with over 94% returning for continued business. American Insurance has not reported any recent funding, indicating they operate as a self-sustained entity in the insurance market.


22. One Stop Insurance

  • Website: onestopinsurance.com
  • Ownership type: Private
  • Headquarters: West Jordan, Utah, United States (USA)
  • Employee distribution: United States (USA) 67%, South Africa 33%
  • Founded year: 2009
  • Headcount: 1-10
  • LinkedIn: one-stop-insurance

One Stop Insurance, based in West Jordan, Utah, is an independent insurance agency that has been serving clients since 2009. The company specializes in a wide array of insurance products, including personal, life, health, and business insurance. By working with over 20 insurance carriers, One Stop Insurance provides clients with the ability to compare coverage options and find the best fit for their needs. The agency prides itself on simplifying the insurance process, ensuring that clients understand their options and receive competitive rates. With a strong emphasis on customer service, One Stop Insurance has garnered a high Google rating of 4.9, reflecting its dedication to client satisfaction. The agency's team is committed to ongoing support, offering insurance reviews to help clients maximize their discounts and adapt to changing needs. This proactive approach positions One Stop Insurance as a relevant player in the life insurance market.



Life Insurance Insights: Key Companies in Utah


CompanyHeadquarterSizeFoundedOwnership
Beneficial Financial GroupSalt Lake City, Utah, United States (USA)201-5001905Corporate
Insurance Concepts Inc.Salt Lake City, Utah, United States (USA)1-101978Corporate
Blackburn Jones CompanyOgden, Utah, United States (USA)11-501944Family Owned
Poulton Insurance Services IncSalt Lake City, Utah, United States (USA)11-501956Private
Sentinel Security Life Insurance Co.Salt Lake City, Utah, United States (USA)51-2001948Private
Silver Key BenefitsSalt Lake City, Utah, United States (USA)51-2002016Private
Risk Managers, LLC - UtahSalt Lake City, Utah, United States (USA)1-102006Private
Heiner's Insurance CenterOgden, Utah, United States (USA)11-501948Private
Paradigm LifeSalt Lake City, Utah, United States (USA)51-2002007Private
Blue Mountain Insurance, Inc.Provo, Utah, United States (USA)1-102002Private
Bright Insurance ServicesSouth Jordan, Utah, United States (USA)11-502012Private
Advance Insurance CorporateOrem, Utah, United States (USA)51-2001978Private
Cottonwood Insurance Inc.Salt Lake City, Utah, United States (USA)11-501981Private
Platinum Insurance Group, Inc.Pleasant View, Utah, United States (USA)201-5002016Private
GuidetoinsureSouth Jordan, Utah, United States (USA)11-502015Private
Main Street Insurance Agency LLCSt. George, Utah, United States (USA)11-501969Private
Great Western Insurance CompanyOgden, Utah, United States (USA)51-2001983Corporate
Trustco InsuranceSalt Lake City, Utah, United States (USA)11-501973Private
Team NashSalt Lake City, Utah, United States (USA)11-501989Private
Dibs ConnectSalt Lake City, Utah, United States (USA)1-102020Private
American InsuranceSalt Lake City, Utah, United States (USA)11-501958Private
One Stop InsuranceWest Jordan, Utah, United States (USA)1-102009Private


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