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Life Insurance

Life Insurance Information

mother holding her two children in a fieldWhether you are in St. George, Washington, Santa Clara, or anywhere in Utah; we can help you find life insurance!


Make sure your loved ones who depend on you are taken care of after you’re gone. Find life insurance plans that fit within your budget today and will provide substantial support later on with help from NorthStar Financial & Insurance Services, Inc.

We know that sorting through life insurance companies can be a time-consuming hassle. But our independent insurance agency makes the process simple by finding providers and plans that match what you need. Want to find an insurance company that also provides bundled health insurance or another coverage? Whatever type of individual, family or group insurance plan you need, Contact NorthStar to begin the search for the perfect providers.


Which life insurance plan is right for me?

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

  1. Term Life Insurance
    Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
  2. Permanent Life Insurance
    In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional. Contact an agent at NorthStar Financial & Insurance Services, Inc in St. George, UT to compare term and permanent life insurance rates.


Find Providers with Affordable Bundled Policies

back view of family together

A common misconception is that good life insurance plans are too expensive. Many individuals wait years before purchasing life insurance because of the cost or because they see no apparent need for it. But the longer you wait, the more that price could increase.

If dependents or other family members rely on you to pay for school, mortgages or other daily living costs, call NorthStar to find an affordable life insurance policy. While you may not be able to qualify for every coverage discount, we can help you save money by finding the least expensive plans with the best coverage, often through bundled insurance plans.

Some providers offer bundled plans for life and health insurance. Health insurance can also be pricey, especially if you are self-employed or aren’t a part of a group insurance plan with your employer. Not every insurance company will bundle life and health insurance plans for individuals or small businesses, but NorthStar will help you find any that do.

Thank you for your interest in NorthStar Financial & Insurance, where you are the star. Let us put our time saving shopping experience to work for you! Please feel free to call our office at (435) 656-1060 or email us and an insurance professional will reply promptly.

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