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 cheaper Utah life insurance rates.

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

You can get discounts from life insurance companies for being healthy, making it worthwhile to prioritize wellness and healthy living in Utah.

What You Should Know

• Get the best life insurance in Utah with affordable rates starting at $32 a 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

Get low prices from local Utah life insurance companies and make sure your family is covered by entering your ZIP code into our free quote comparison tool.

#1 – New York Life: Top Overall Pick

Pros

• Reputable Customer Service: Well-known for reliable service in the Utah market making it one of the best life insurance companies in the state.
• Renewable Term Life: Term life insurance in Utah can be renewed on a year-by-year basis.
• 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 life insurance companies 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 a month, and whole life at $101 a month — among the highest life insurance rates in Utah.
• Slower Underwriting: Most life insurance 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 per month, whole life at $96 a 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.
• Claims Satisfaction: Although Prudential has fewer complaints, policyholders still have issues filing Utah life insurance claims.

#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 Utah life insurance policyholders.
• Reliable Insurer: A+ financial strength offers security for Utah families. Check out our Nationwide review for more ratings.

Cons

• Expensive For Young Applicants: Nationwide charges higher rates in Utah for applicants under 25.
• 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 life insurance claims processing in Utah.

Cons

• Expensive Rates: Has slightly higher term life rates in Utah, starting at $45 per month and whole life at $108 monthly.
• 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 on Utah life insurance and estates.
• High Policy Limits: Offers Utah term life insurance coverage ranges from $50,000 to several million dollars, depending on the needs and qualifications of the policyholder.
• Affordable Premiums: Offers Term life for Utah families starts at $37 per month, whole life at $90 a month. Explore everything you need to know about applying for life insurance to choose the perfect plan.

Cons

• Complex Plans: New customers in Utah may find Pacific Life's policy terms challenging to understand.
• No Online Quotes: Customers must work with life insurance agents in Utah to get quotes and pricing information.

#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 agent network in Utah.
• Bundling Discount: Save up to 17% when combining life insurance with other policies in Utah.

Cons

• Financial Strength Fluctuations: Not as stable as other Utah life insurance companies when it comes to financial security.
• Basic Digital Tools: Limited online account features for Utah life insurance customers.

#8 – Mutual of Omaha: Best for Bilingual Support

Pros

• 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.
• Competitive Rates: It offers budget-friendly term life starts at just $34 a month, whole life at $86 monthly. See how insurance companies make money in our detailed report.

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.
• Affordable Term: Utah customers enjoy term life insurance options at just $33 per month.
• 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 options. If you're considering getting coverage for a family member, check out how to buy life insurance for someone else.
• 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: Quick turnaround time for getting coverage in Utah. Find out which type of life insurance policy generates immediate cash value.
• 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 may not meet the needs of all Utah policyholders.
• Rising Premiums: Utah life insurance costs can increase significantly with Globe Life over time.

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 monthly 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 and Banner Life offer the lowest rates overall, making them top choices for budget-conscious individuals looking for affordable term life insurance in Utah.

Our top three companies, New York Life, Northwestern Mutual, and Prudential, are among the most expensive companies. Northwestern Mutual, known for high dividend payouts, offers term coverage at $42 monthly and whole life at $101 per month.

Keep reading to explore a wide range of options tailored to different budgets and coverage needs in Utah. You'll find life insurance companies that specialize in higher risk and more in the next section.

Life Insurance Coverage Options in Utah

When shopping for life insurance in Utah, it’s important to understand the types of policies available and what each one covers. Whether you’re looking for basic protection or a policy with long-term benefits, here are the main options to consider:

• Term Life Insurance: Offers affordable coverage for a specific period (usually 10–30 years). Pays a death benefit if you pass away during the term. Ideal for covering temporary needs like a mortgage or childcare.

• Whole Life Insurance: Provides lifetime coverage with fixed premiums and a guaranteed death benefit. Also builds cash value over time that you can borrow against.

• Universal Life Insurance: Permanent coverage with flexible premiums and adjustable death benefits. Accumulates cash value based on interest rates or index performance.

• No Medical Exam Life Insurance: Allows you to skip the physical exam. Good for those who want quick approval or have health concerns. May come with slightly higher premiums.

• Final Expense Insurance: A small whole life policy designed to cover funeral costs and other end-of-life expenses, typically ranging from $5,000 to $25,000 in coverage.

Choosing the right life insurance policy depends on your health, age, financial goals, and family’s future needs. 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 offer the most common life insurance options:

Insurance Company	Term Life	Whole Life	Universal Life	No Medical Exam	Final Expense
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	❌
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅

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 savings for things like being a non-smoker, living a healthy lifestyle, bundling policies, using automatic payments, and customer loyalty discounts.

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 UT 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.

The Best Life Insurance Companies in Utah

Finding the right life insurance depends on your budget, coverage needs, and potential savings. The best life insurance in Utah is from New York Life, Northwestern Mutual, and Prudential. Although more expensive, these Utah insurers offer more flexibility and dividend payments for customers looking for whole life policies.

Whether you want low monthly payments, extra policy features, or savings for healthy living and bundling, these are 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.