Independent brokerage · Multiple carriers · One call

The right coverage, done right, for the people you protect.

We’re an independent agency, so we work for you, not for one insurance company. We shop multiple top-rated carriers to match your health, your budget, and your family’s needs.

What do you need to protect?

Send us a message

Takes about 30 seconds. No obligation, no pressure.

Independent brokerage

We work for you, not a carrier

Licensed brokers

Licensed in multiple states

Multiple top-rated carriers

More options, better fit

What we offer

Coverage for every stage of life

Each family’s needs are different, and each carrier has different strengths. Because we represent many companies, we can match you with the one that fits, instead of forcing a fit.

Life Insurance

Protect your family's income and future with the right policy at the right price.

Final Expense

Affordable burial and final expense coverage, with options for most health conditions and no medical exam plans.

Medicare Plans

Turning 65 or reviewing your plan? We'll compare Medicare Advantage, Supplement, and drug plans side by side.

Health Insurance

Individual and family health plans, plus accident, critical illness, and medical travel coverage.

Disability & Specialty DI

Your income is your biggest asset. We cover it, including hard-to-place cases. For unique situations, we offer Disability policies through Lloyd's of London.

Long Term Care

Seventy percent of people over 65 will need some form of long term care. Planning ahead protects your savings and spares your family hard decisions.

What we offer

Coverage for every stage of life

Premium financing lets qualified individuals and business owners fund a large permanent life insurance policy using a loan from a third-party lender instead of paying the premiums out of pocket. Your capital stays invested and working for you, while the policy provides the protection, estate liquidity, or business coverage you need.

Who it's for. High net worth individuals, business owners, and families with large coverage needs who would rather not liquidate assets or disrupt cash flow to pay sizable premiums.
How it works. A lender funds most of the premium on a permanent policy, often owned by a trust. You pledge collateral, typically the policy's cash value plus other assets, and pay loan interest along the way.
How it's repaid. The loan is typically repaid later from the policy's cash value, a planned liquidity event such as a business sale, or other assets in your plan.
What to weigh. Loan rates are usually variable, collateral requirements can change, and the strategy requires full financial underwriting. It's powerful in the right situation, and we'll walk through the numbers honestly before you commit.

What we offer

Keep your money working. Let the policy do its job.

Best fit: large permanent policies for estate planning, key person, and business protection
Best fit: typically whole life or indexed universal life with strong early cash value
Requires: medical and financial underwriting, pledged collateral, and a repayment plan
Our role:independent comparison of carriers and structures, with the risks explained up front

Retirement income

Annuities

An annuity turns part of your savings into dependable income you can’t outlive. As independent brokers, we compare annuity contracts from multiple carriers to find the rates, guarantees, and features that fit your retirement plan.

Indexed Annuities

Growth linked to a market index with downside protection. You share in market gains up to a cap, and your principal is protected when the market drops.

Fixed Annuities

A guaranteed interest rate for a set number of years, similar to a CD but often with better rates and tax-deferred growth. A steady, predictable way to grow safe money.

Income Annuities

Convert a lump sum into guaranteed monthly income, starting now or at a future date you choose. Think of it as a paycheck for retirement that lasts as long as you do.

Good to know: Annuity guarantees are backed by the claims-paying ability of the issuing insurance company, and most contracts have surrender periods. We’ll explain the terms, riders, and tradeoffs of every option before you decide, at no cost to you.

Specialty products · Lloyd's of London

Coverage for risks other carriers won't touch

Through our specialty markets, including Lloyd’s of London, we insure the people and situations that standard policies leave out: elite athletes, entertainers, high earners, international travelers, and more.

Athletes Disability Insurance

High limit coverage for professional athletes, top college athletes, and high school athletes with NIL earnings. Protects future earnings and the non-guaranteed portion of contracts, with team and sponsor contract coverage available. Subject to underwriter approval.

Specialty Insurance

Disability, life, and medical coverage for doctors, pilots, attorneys, entertainers, diplomats, and key business people, plus event cancellation and non-appearance coverage for the entertainment industry. If a standard policy won't cover it, we probably can.

Kidnap & Ransom Insurance

Protection for executives, international travelers, missionaries, students studying abroad, and families with elevated exposure. Coverage and response resources for kidnapping and ransom situations worldwide.

Also available through our specialty markets: High Limit Key Person Disability, Doctors & Physicians Disability, Athletes Disability, Entertainment Industry Disability Insurance, Disability Insurance for Government Employees, Pilot Disability, International Term Life, and International Major Medical plans.

Simple process

From first call to covered, in three steps

1

Tell us about you

A short conversation about your health, budget, and what you're protecting. By phone or online, whatever's easier.

2

We shop the carriers

We compare quotes across multiple top-rated companies and show you the options side by side, in plain English.

3

Apply with confidence

We handle the application, medical exam scheduling if needed, and follow-up until your policy is in force.

Why independent matters

One broker. Many carriers. Your side of the table.

A captive agent can only sell you what their one company offers. As an independent brokerage, Insure My Life Right represents many carriers, which means more options, better pricing, and coverage that actually fits.

More choices. We quote across multiple carriers, not just one product shelf.
Honest guidance. If a carrier isn't right for your health history, we'll tell you and find one that is.
No extra cost. Our advice and quote comparisons are free. You pay the same premium as going direct.
Real people. Call our Ogden office and talk to a licensed broker, not a call center.

"Each person and each family has a different need. Each carrier has a different specialty. Our job is matching the two, right the first time."

The Insure My Life Right approach

Client reviews

What our clients say

Replace these with your real client testimonials before launch.

“They compared five carriers for my term policy and found me better coverage for less than I was quoted elsewhere. The whole thing took one phone call.”

Client name · Term Life

“Turning 65 was overwhelming until they walked me through my Medicare options in plain English. I finally understood what I was buying.”

Client name · Medicare

“I’d been declined before because of a health condition. They knew exactly which carrier would take my case, and I’m covered now.”

Client name · Final Expense

Get in touch

Talk to a licensed broker

Corporate headquarters

298 24th Street, Suite 435A Ogden, UT 84401

Phone

1-801-747-9176 (office)

Fax

1-877-399-2364