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Get an instant quote, apply and enroll in life insurance. All from the comfort of your home. If you have questions, Julie Cardenas, one of our local agents can help.

Get an instant life insurance quote

You can now get an instant quote for life insurance online and still have Julie at Utah Avenue Insurance on your side. See your options and get a personalized quote with multiple coverage plans to choose from. Apply in minutes with our online application. It only takes about 10 minutes. If you still have questions about your options, a local agent at Utah Avenue Insurance can help you for free.

Julie Cardenas is one of our local Utah health insurance agents. She can help you understand the different types of life insurance and help find a plan that fits your needs. Her help is always free. Contact her today. Call/Text 801-609-8699 or schedule an appointment.

How to calculate how much life insurance you need

Estimating life insurance needs can be hard. Use these guidelines as a starting point.

Life insurance is typically bought to benefit the ones that you leave behind. Here are some considerations when deciding how much of a benefit you want to leave them.

  • Current Debt. This includes your mortgage, car loans, student loans, and credit card debt. This is the main reason people start looking for life insurance.

  • Replace your income. You only need to replace about 72% of your income because the average person uses about 28% of their income each year. For people who don't work, you'll still want to consider replacing income so you can stop working or how much you'll need for child care so that you can keep working.

  • Take out Child's Survivor Social Security benefits. This amount varies from person to person depending on how much you've paid into Social Security. For the average person who's paid into Social Security for 10 years, it's about $1000 per month. Children get this benefit until they are 18.

  • Fund funeral. Average cost of a funeral is about $7000-$12000. We suggest about $15,000 to take into account inflation and travel expenses.

  • Fund weddings. Add an extra $15000 for each child.

  • Fund college. Add an extra $25000 to $100,000 for each child. This can be used as a college fund or a down payment on a home for each child.

  • Fund an emergency account. You'll want to add about 3-6 months of income.

  • Fund widow's blackout period. This is the time between when your last child turns 18 and the time when your surviving spouse will retire, usually 67 years old. Multiply this number by 72% of your yearly income.

We hope this helps you consider what to include as far a death benefit. If you have more questions, one of our local agents can assist you for free. Our local Utah health insurance agents can help you understand the different types of life insurance and help find a plan that fits your needs. Our help is always free. Contact one of our local agents today. Call/Text 801-609-8699 or schedule an appointment.

get an instant

life insurance


Zero, zilch, nada, nothing, free

This is how much our services cost. Zero, zilch, nada, nothing, free. So whether you want to try and figure out health insurance by yourself or use us as a resource, your health insurance premiums are the same. The benefit you get is us and our expertise. We would love to help you.

Never Call the Marketplace

We've NEVER met anyone who likes to call up the Marketplace or any health insurance company. Let our local agents do that for you. Just call us, text us or email us what you need to be taken care of, and we'll wait on hold for you. Our local agents are happy to help you with all your health insurance needs and concerns.

Help you to find local doctors

Our local agents can help you find local doctors that are in-network with your health insurance plan. We love to help you save time by doing the research for you. This also saves you money by finding lower cost in-network options for you. Our local agents can help you find primary care doctors and specialists, compare prescription drug costs, and find out if a particular procedure is covered.

Submit Claims and Dispute Bills

Sometimes, you may get a medical bill that you weren't expecting. Our local agents can review those charges and help you dispute them if needed. We can also help you submit claims if you have any extra supplemental insurance that covers accidents, sickness or hospitalizations.

Every Health Insurance Option in Utah

Our local agents are able to show you every health insurance option in Utah. This means that you have more control over your medical costs and the doctors you can see. Our local agents are trained and educated directly by the health insurance companies in Utah to ensure that you get the best health insurance for your needs.

Making Updates

Moving, changing jobs, losing a credit card, having a baby or getting married means lots of time updating everyone of those changes. Let one of our local agents help you with that. Usually one phone call, text or email is all we need from you to make those changes on your health insurance plan. As always, that service is free to you.

Research Plan Changes Year to Year

Our local agents are trained and certified each year by the health insurance companies. This ensures that our agents are educated on big and small changes being made to your health insurance plan and recommend changing plans if it would benefit you better. Our agents are trained on over 50 health insurance plans each year because we want to make sure that you are getting the best benefits for your needs.

Monitor Your Accounts

Our office checks your health insurance plans each month to ensure that that payments are on time and that your plans are always up to date. We also check to make sure that all the documentation the health insurance company or Marketplace needs is submitted on time. Our office will also submit that documentation for you so you don't need to call or go online to the Marketplace ever.

We're FREE to use!

Our services are free to use. So whether you enroll in health insurance yourself or use our help, the cost of insurance is the same.


How long should you buy term insurance for?


Most families get term insurance to last until their retirement. Then they buy a smaller policy to cover funeral expenses at that time.


Does term insurance pay out if I become terminally ill?


Some term insurance can accelerate your benefits while you are still alive, even if it's not terminal. Usually these plans are only $5 to $10 more per month. Contact one of our local agents to know which plans have this feature.



Agent Resources


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Payson, UT 84651



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Learn how the American Rescue Plan can save you even more money on your monthly premiums. See how to take advantage of these savings for your family.