Life & Disability Insurance

Protection That Supports Your Life, Career, & Family

At Compass Insurance Advisors Group Benefits, we understand how important it is to plan for the unexpected. After all, life can change in a moment, and having the right protection in place — whether for your loved ones, your income, or your employees — can bring invaluable peace of mind. That’s why, based in Logan, UT and serving all of the Western United States – including Utah, Idaho, Arizona, Colorado, Wyoming, Texas, New Mexico, we specialize in life and disability insurance solutions for employer groups.

Our communities are built on hard work and strong values…and we’re here to help you protect both. So whether you’re a working professional, a growing family, or a business owner looking to support your team, our local advisors can help you choose the right plan with clear, straightforward guidance — no pressure, no confusion.

Personal Life Insurance That Makes Sense

Planning for your future doesn’t have to be complicated. We offer a variety of life insurance policies that are designed to meet different needs, budgets, and life stages. From basic protection for your family to investment-focused policies that build wealth over time, we’re here to simplify your choices and help you make informed decisions.

Term Life Insurance

Term insurance is one of the most straightforward ways to protect your family financially. You choose a term length — typically 10, 20, or 30 years — and if something happens to you during that period, your beneficiary receives a lump sum payment.

  • Low monthly cost
  • Flexible benefit amounts
  • Family income replacement
  • Convertible to permanent insurance in some cases

This option is ideal for young families, homeowners, or anyone who wants affordable coverage with a clear expiration date.

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Whole Life Insurance

Unlike term insurance, whole life coverage is designed to last a lifetime. These policies don’t just offer a death benefit—they also accumulate cash value over time, which can be borrowed against or used as a long-term savings tool.

  • Guaranteed lifetime coverage
  • Locked-in premiums
  • Tax-advantaged cash accumulation
  • Optional riders for long-term care or disability

Whole life is ideal for individuals who want permanent protection and additional financial planning options.

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IUL Retirement Coverage (Indexed Universal Life)

Looking for a way to combine insurance with retirement savings? IULs provide life insurance coverage while building cash value tied to market index performance (without the risk of market loss). These plans can be used to fund retirement, protect your legacy, or supplement other investments.

  • Tax-free interest earnings
  • Flexible contribution options
  • Safe from market downturns
  • Tax-free policy loans and withdrawals

This solution is great for professionals seeking to diversify retirement assets while ensuring their families are protected.

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Group Life & Disability Protection

As a business owner, offering meaningful benefits helps you attract and retain top talent. That’s where we come in. We work with employer groups of all sizes to implement affordable, valuable group life insurance benefits for employees.

Group Life Insurance

This employer-sponsored benefit provides basic life coverage to your team, often at little to no cost for employees. You can also offer voluntary plans that allow employees to purchase additional coverage for themselves and their families.

  • Boosts employee loyalty and satisfaction
  • Simple to administer
  • Low-cost way to add value to your benefit package
  • Optional add-ons like AD&D and dependent coverage

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Group Disability Insurance

Disability insurance ensures your employees are still paid if they’re unable to work due to illness or injury. We offer both short-term and long-term options that provide income replacement and peace of mind.

  • Essential for working professionals with families or financial obligations
  • Competitive group rates
  • Reduces employee financial stress during difficult times

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Why Choose Compass Insurance Advisors Group Benefits?

We’re not just brokers — we’re trusted local advisors who understand your lifestyle, your business, and your values. Our clients throughout rely on us because:

  • We simplify complex topics and explain your options clearly
  • We offer plans from top-rated national insurers
  • We take a personal, one-on-one approach
  • We offer no-cost consultations and never pressure you into decisions
  • We’re available year-round for plan updates, reviews, and support

When it comes to life and disability insurance, one size doesn’t fit all. That’s why we tailor our recommendations based on your goals, not sales quotas.

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Frequently Asked Questions

Do I need life insurance if I’m young and healthy?

Yes. The younger and healthier you are, the lower your rates. Life insurance is about protecting your future—and locking in affordable coverage early is a smart move.

What’s the difference between term and whole life insurance?

Term insurance is temporary and cost-effective, while whole life offers permanent coverage and cash value. We’ll help you choose the best option for your situation.

Can I offer group life insurance if I have a small team?

Yes. Even small businesses can offer group life and disability benefits. We work with groups of all sizes to build plans that work within your budget.

Is disability insurance worth it?

Absolutely. If an injury or illness prevents you from working, disability coverage can help you stay financially afloat while you recover.

Do your consultations cost anything?

No. Our services are completely free to you. We’re here to help you understand your options and choose what’s best for your needs.

Let’s Protect What Matters Most

At Compass Insurance Advisors Group Benefits, we’re here to help you safeguard the life you’ve built — whether that means family protection, income security, or employee peace of mind. From group life insurance benefits for employees, to disability insurance coverage for working professionals, our solutions are built around your priorities. So let us help you create a plan that feels like a safety net, not a guessing game. Just be sure to reach out today for a free consultation, and start planning with confidence, clarity, and local support you can count on.

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