Does the thought of discussing life insurance disturb you? Do you have loads of questions and very few answers?  You are not alone; most people are not life insurance experts. That is why they count on their independent insurance agent to not only answer their questions but to direct them to the right products for their needs. If you live in or near Sandy, UT The Smith Insurance Group Inc. is here to help. Our goal is to provide our customers with the personalized service they deserve. 

Do I need life insurance if I am single?

If you have enough money to pay for your final expenses, no one who counts on your income to survive, and no debt that your loved ones might be saddled with then you probably don’t need life insurance. 

Can I choose anyone to be the beneficiary on my life insurance? 

The choice of beneficiary is yours to make, no judgments are made. If you choose a minor, the insurance company will not pay out until they reach legal age as defined by the state they reside in. 

If I get life insurance from my employer do I need to buy my own?

Simply stated yes. What if you change employers? What if your employer goes out of business? Does your employer actually know the correct amount of life insurance for your particular case?  While this is a very helpful benefit to add to your own coverage, it should not be your primary protection. 

Can my life insurance policy be canceled?

Yes, it can. The most common reason is the non-payment of your premium. Another reason would be lying on your application. It is imperative that you answer all questions truthfully even if you are afraid it will result in a higher premium. 

Contact The Smith Insurance Group Inc. in Sandy, UT with all your life insurance questions.