Best Life Insurance in Utah for 2025 (Find the Top 10 Companies Here)

New York Life, Northwestern Mutual, and Prudential are the top companies for the best life insurance in Utah, with rates starting at just $32 per month.

These companies offer discounts and tailored life insurance policies with reputable service, dividend policies, and diverse options. Maintaining your health is crucial for overall well-being and can lead to financial benefits.

Insurance Company	Rank	Whole Policy Rate	A.M. Best	Best For	Jump to Pros/Cons
	#1	$108	A++	Reputable Service	New York Life
	#2	$101	A++	Dividend Policies	Northwestern Mutual
	#3	$96	A+	Diverse Options	Prudential
	#4	$93	A+	Bundling Discounts	Nationwide
	#5	$92	A++	Disability Riders	Guardian Life
	#6	$90	A+	Estate Planning	Pacific Life
	#7	$89	B	Tailored Policies	State Farm
	#8	$86	A+	Bilingual Support	Mutual of Omaha
	#9	$83	A+	Affordable Term	Banner Life
	#10	$81	A-	No-Medical Exams	Globe Life

You can get discounts from life insurance companies for being healthy, making it worthwhile to prioritize a healthy lifestyle. Get low prices on insurance and make sure your family is covered by putting in your ZIP code.

What You Should Know

• Get the best life insurance in Utah with affordable rates starting at $32/month
• New York Life is the top pick for its strong service and financial strength
• Northwestern Mutual offers dividend policies, while Prudential has flexible options

#1 – New York Life: Top Overall Pick

Pros

• Reputable Customer Service: Well-known for reliable service in thein Utah market making it one of the best life insurance companies.
• Competitive Rates: Term life starts at $45/month, and whole life at $108/month for Utah residents.
• Bundling Discount: Save up to 11% by combining life insurance with other New York Life policies in Utah.

Cons

• Complex Policy Terms: Some policies in Utah require in-depth explanation before purchase.
• Higher Costs Than Some Competitors: Other Utah providers offer slightly lower premiums.

#2 – Northwestern Mutual: Best for Dividend Policies

Pros

• Dividend Earnings: Whole life policies pay dividends, adding long-term value for Utah families.
• Flexible Whole Life Options: Customizable coverage for specific financial goals in Utah.
• Bundle Savings: Up to 12% savings when combining policies in Utah (Read more: How Much Does Life Insurance Cost?).

Cons

• Higher Costs: Term life starts at $42/month, and whole life at $101/month—among the priciest in Utah.
• Slower Underwriting: Most policies in Utah require a medical exam, extending approval times.

#3 – Prudential: Best for Diverse Options

Pros

• Living Benefits: Provides access to living benefits for critical or terminal illnesses and adds flexibility for Utah policyholders in need.
• Strong Financial Stability: Prudential's A+ financial rating provides peace of mind for long-term policyholders in Utah.
• Versatile Coverage: Term life starts at $40/month, whole life at $96/month, with a wide range of policy types for Utah residents. (Read More: Whole vs. Universal Life Insurance.

Cons

• Complex Policies: The variety of options can make it challenging for Utah residents to choose the right coverage without expert guidance.
• Higher Premiums: Prudential's rates are generally higher than competitors for similar coverage in Utah.

#4 – Nationwide: Best for Bundling Discounts

Pros

• Largest Bundling Discount: Save up to 20% by bundling life insurance with other Nationwide policies in Utah.
• Strong Coverage Options: Offers multiple term and whole life plans for policyholders in Utah.
• Reliable Insurer: A+ financial strength offers security for Utah families. Check out our Nationwide reviewfor more.

Cons

• Higher Whole Life Costs: Term life starts at $39/month, whole life at $93/month, which may not fit every budget in Utah.
• Limited No-Exam Options: Medical exams are required for most policies in Utah.

#5 – Guardian Life: Best for Disability Riders

Pros

• Disability Riders: Provides added income protection for individuals of Utah in case of disability.
• Family-Focused Policies: Guardian Life focuses on providing coverage for Utah residents and their loved ones. Check out the benefits of buying life insurance for you and your family.
• Financial Strength: Guardian Life's A++ financial rating ensures faster claims processing in Utah.

Cons

• Expensive Rates: Has slightly higher term life rates starts at $45/month, whole life at $108/month than others in Utah.
• Limited Online Tools: There are fewer digital tools for policy management in Utah.

#6 – Pacific Life: Best for Estate Planning

Pros

• Estate Planning Coverage: Pacific Life is ideal for transferring wealth and minimizing taxes for the policyholder in Utah.
• High Policy Limits: Offers term life insurance coverage ranges from $50,000 to several million dollars, depending on the needs and qualifications of the policyholder in Utah.
• Investment-Oriented Plans: Offers Term life for Utah families starts at $37/month, whole life at $90/month. Explore everything you need to know about applying for life insurance and choose the perfect plan for your needs.

Cons

• Higher Costs: Policies are more expensive than other providers in Utah.
• Complex Plans: New customers in Utah may find Pacific Life's policy terms challenging to understand.

#7 – State Farm: Best for Tailored Policies

Pros

• Customizable Policy Options: Provides multiple options to personalize your life insurance plan in Utah. For more coverage details, read State Farm reviews.
• Robust Local Agent Network: In-person service from a large Utah agent network.
• Bundling Discount: Save up to 17% when combining life insurance with other policies in Utah.

Cons

• Lower Financial Strength (B Rating): Not as highly rated as competitors in the best life insurance in Utah market.
• Basic Digital Tools: Limited online account features for Utah customers.

#8 – Mutual of Omaha: Best for Bilingual Support

Pros

• Competitive Rates: It offers budget-friendly term life starts at just $34/month, whole life at $86/month. See how insurance companies make money in our detailed report.
• Bilingual Support: Mutual of Omaha provides bilingual support to residents in the state, transcending language barriers for the diverse ethnicities in the US.
• Strong Customer Service: Mutual of Ohama is known for its excellent claims handling and customer support for policyholders.

Cons

• Limited Online Tools: It has fewer online tools for easier policy management for policyholders in Utah.
• Medical Exam Requirements: Some of its plans require health assessments, resulting in a longer approval process for life insurance in Utah.

#9 – Banner Life: Best for Affordable Term

Pros

• Flexible Coverage Durations: Offers customizable term lengths from 10 to 40 years to fit varying needs in Utah households.
• Affordable Term: Utah customers enjoy term life insurance options at just $33 per month. If you're considering getting coverage for a family member, check out how to buy life insurance for someone else.
• Simple Application Process: Banner Life Insurance provides a user-friendly and streamlined application experience in Utah.

Cons

• Few Whole Life Options: There is limited availability of whole life insurance options, which is $83/month for whole life in Utah.
• Limited Riders: Utah residents have fewer add-ons with Banner Life than other insurers.

#10 – Globe Life: Best for No-Medical Exams

Pros

• Fast Policy Issuance: It has a quick turnaround time for getting coverage in Utah. Find out which type of life insurance policy generates immediate cash value for a faster way to financial freedom.
• No-Medical Exams: Simplifies the approval process, making it ideal for Utah residents seeking hassle-free coverage.
• Affordable Starter Plans: Globe Life's term life insurance starts at just $32 per month, perfect for Utah residents seeking cheap coverage.

Cons

• Limited Coverage Amounts: The maximum coverage of up to $100,000 for term life and $50,000 for whole life insurance of Globe Life may not meet the needs of all Utah policyholders.
• Rising Premiums: Costs can increase significantly with Globe Life over time in Utah.

Leading Life Insurance Rates in Utah

Utah residents can choose from a variety of top-rated life insurance providers offering affordable coverage and strong financial stability. The table below highlights the life insurance monthy rates in Utah, comparing term and whole life policy costs from the most trusted companies in the state.

Insurance Company	Term Policy	Whole Policy
	$33	$83
	$32	$81
	$38	$92
	$34	$86
	$39	$93
	$45	$108
	$42	$101
	$37	$90
	$40	$96
	$36	$89

Globe Life offers the lowest rates overall, with term life starting at $32 per month and whole life at $81, making it a top choice for budget-conscious individuals. Mutual of Omaha follows closely with competitive term rates at $34 and whole life at $86, paired with excellent customer support and bilingual service options. State Farm also offers solid value, with term policies starting at $36 and whole life at $89, plus one of the best bundling discounts available.

Other top companies include Nationwide, offering flexible coverage and up to 20% in bundling savings, with term rates starting at $39 and whole life at $93. Northwestern Mutual, known for high dividend payouts, offers term coverage at $42 and whole life at $101, while Pacific Life and Prudential provide strong financial backing and diverse policy choices, starting at $37 and $40 per month for term policies, respectively.

With a wide range of options tailored to different budgets and coverage needs, these insurers lead the Utah market in life insurance value and reliability (Read more: Higher Risk Life Insurance: Life Insurance Companies That Specialize in Higher Risk).

Life Insurance Coverage Options in Utah

Utah residents have several life insurance choices that include more than just basic term and whole life policies. The table below shows which top companies also offer extra features like medical payments to others, replacement cost coverage, and identity theft protection.

Insurance Company	Term Life	Whole Life	Medical Payments to Others	Replacement Cost	Identity Theft
	✅	✅	✅	✅	❌
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	❌
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	❌	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅

Most well-known providers—like Mutual of Omaha, Nationwide, Northwestern Mutual, Prudential, and State Farm—include all of these options in their plans. Globe Life and Pacific Life also offer strong coverage, although Pacific Life does not include replacement cost protection, and a few companies don’t offer identity theft coverage.

These extra benefits can provide added peace of mind and help protect your family in more ways, so it’s important to check what’s included when comparing life insurance in Utah. Find out what happens if you outlive your term life insurance

Discounted Life Insurance Options in Utah

Many life insurance companies in Utah offer ways to help you save money on your policy. The table below shows common discounts for things like being a non-smoker, living a healthy lifestyle, bundling policies, staying with the same company (loyalty), and using automatic payments.

Insurance Company	Non-Smoker	Healthy Lifestyle	Bundling	Loyalty	Automatic Payment
	12%	7%	5%	5%	4%
	12%	7%	8%	5%	5%
	15%	10%	5%	3%	2%
	10%	10%	5%	4%	3%
	12%	7%	8%	3%	2%
	10%	7%	3%	3%	3%
	10%	7%	4%	3%	2%
	10%	8%	6%	5%	3%
	20%	7%	7%	5%	2%
	8%	10%	6%	4%	3%

Prudential offers the biggest savings for non-smokers at 20%, while Mutual of Omaha and State Farm give a 10% discount for people who live a healthy lifestyle. These discounts can add up quickly and make your life insurance more affordable over time.

Globe Life and Nationwide offer some of the best bundling discounts, giving up to 8% off when you combine life insurance with other types of coverage, like auto or home insurance. Globe Life also offers strong savings in almost every category, including 12% for non-smokers and 7% for healthy living.

Pacific Life provides solid discounts across the board, including 6% off for bundling and other savings for loyalty and healthy habits. Choosing a company with multiple discounts can help lower your monthly payments while still giving you the coverage you need. Find life insurance policies that generate immediate cash value.

The Best Life Insurance Companies in Utah

Finding the right life insurance in Utah depends on your budget, coverage needs, and potential savings. Top providers like Globe Life, Mutual of Omaha, Prudential, Nationwide, and State Farm stand out for offering a mix of affordable rates, strong financial strength, and valuable discounts.

Whether you want low monthly payments, extra policy features, or savings for healthy living and bundling, these companies provide flexible options to help protect your family and plan for the future. Get more insight about the best companies that offer hybrid life insurance/long-term care policies.

Comparing plans and discounts side by side makes it easier to choose the best life insurance policy for your needs in Utah. If you want to explore your life insurance options, enter your ZIP code in our free tool to get started.