Life insurance from Rocky Mountain Insurance can help you secure your family's financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living.
There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs:
Term Life Insurance
Term life insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of years. The insurance expires without value if the insured lives beyond the policy period, usually 5 to 30 years.
Term insurance premiums will not increase during the guaranteed policy time period (term) you select. Term life insurance pays a death benefit only if you die during that term. Term insurance generally provides the largest insurance protection for your premium dollar.
Term life Insurance remains in force for as long as premiums are current, provided there are no misrepresentations on the application. The insurance coverage terminates if you discontinue your premium payments.
Universal Life Insurance
Universal life insurance is characterized by great flexibility. Policyholders can determine the amount and frequency of premium payments (i.e. the more you pay, the less time you will need to pay). Your premiums cover the insurance part, as well as the savings or investment element and the expense part. The stated interest on the investment portion changes along with movement in interest rates; moves in 1/4 % interest steps are typical as banks and other financial institutions make similar moves.
Whole Life Insurance
Whole life insurance provides permanent protection for the whole of life, from the date of policy issue to the date of the insured's death, provided that premiums are paid. Premiums are set at the time of policy issue and remain level for the policy's life. Unlike term insurance, whole life combines insurance protection and savings or cash value which builds over time. Cash value build-up may provide a source for living benefits, for example, helping pay off a mortgage, or a child's education, or cash surrender value if the policy is ever canceled.
These products are continually changing, and we can provide you with the latest information and policies available!
Jon & Dia Fuller
Meet Your Health Experts, Jon & Dia
Rocky Mountain Insurance was founded in 2017 by veteran experienced independent agents and brokers who wanted to form an organization that is peerless in providing outstanding products with higher quality service. We believe in independence and the freedom that comes with choices when you need insurance. We simplify the shopping, comparing, and enrolling process of all types of insurance plans.
We feel that our clients are better taken care of when they work with us because we are an independent firm that prides ourselves on excellence! We work for YOU not the insurance company! Our job is to find the best products that fit your specific needs and budget. That is why we work with over 80 different top-rated insurance companies. Our licensed and certified insurance advisors enjoy helping our clients and do their work with a smile!
See What Our Clients Say
Charles Mullins
Explained Options
“ Jon Fuller took a long time with me explaining multiple options for Medicare Advantage plans, looking up my prescriptions, my doctors and noting how to make the costs lower but still covering the most Benefits. “
Jazmine Beeny
Highly Recommend
“ Every year they review my car insurance and health insurance to make sure I always get the best price!!! I highly recommend using Rocky Mountain Insurance for all of your insurance needs!! “
Brandon Anderson
Always Transparent
“ Jon Fuller and his team were always transparent, quick to respond and strove to understand the nature of our business and our needs. Highly recommended!!!!!!!!!!! “
Jamee Gaston
Saved Money
“ Saved our family a lot of money on our home and auto insurance! “
Ryan Workman
Great Insurance
“ Great insurance! If you want insurance done right this is the place! “
Jeff Gaston
Best Insurance Company
“ Best insurance company in the state! “
Jojo Beeny
Saved Me Money
“It was great working with them!! Saved me a lot of money!“
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An Independent Advantage
We are Independent Agents in Bluffdale, Utah, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Rocky Mountain Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.
