Life insurance in Utah with clear choices and real guidance

Plan today so your people are protected

Life insurance helps replace income, pay off debt, and cover future goals if something happens to you. Bullfrog Insurance Group compares term and permanent options for families, then sets a coverage amount that reflects your mortgage, childcare, and daily expenses. If you already bundle home and auto insurance with us, adding life keeps everything in one place.

Term vs permanent life insurance

Term life

Coverage for a set period like 10, 20, or 30 years. It is affordable and fits needs tied to a mortgage or raising kids.

Whole life

Lifetime coverage with level premiums and cash value. Useful for long-term planning or final expenses.

Universal life

Flexible premiums and adjustable death benefit. Can be designed for lifetime coverage depending on funding.

Not sure which to choose

We will outline costs and tradeoffs in plain language and help you decide what fits your goals today and five years from now.

Reasons to use an independent agent

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More carriers and medical options

We shop multiple life insurers, including no-exam choices and carriers that work well with certain health histories.

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Straightforward process

We will guide you through the application, schedule any exam if needed, and keep you updated until approval.

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Ongoing support

As your life changes, we will review coverage and update beneficiaries. Loved ones can call us for help with claims when it matters most.

If you want to review all personal coverages in one place, visit our personal insurance overview or reach out to contact our team for a quick conversation.

How much life insurance do you need

We start with a simple needs analysis that looks at income replacement, debts, education goals, and final expenses. Many Utah families choose coverage between 5 and 10 times annual income, but the right number depends on your situation. We can revisit coverage after life events so your plan stays current.

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Common questions from Utah families

  • Is term or whole better

    It depends on your time horizon and budget. Many choose term for high coverage during working years and add a small permanent policy for lifelong needs.

  • Can you get coverage with health issues

    Often yes. We work with carriers that consider diabetes, sleep apnea, or other conditions and offer realistic pricing.

  • Does work coverage count

    Employer coverage is helpful but usually not enough and can end if you change jobs. An individual policy that you control is more reliable.

  • How long does approval take

    Simple policies can be fast. Others may take a few weeks depending on underwriting and medical records.

If you prefer to meet first, stop by our Sandy office or contact our team to schedule a quick call.