Licensed Insurance Professional

Protecting What
Matters Most
to Your Family

ZacSmithIns LLC provides personalized Life Insurance, Health Insurance, and Annuity solutions — built around your life, your goals, and your future.

Get a Free Quote Explore Services
500+
Families Protected
15+
Years Experience
A+
Client Rated
Licensed & Insured
Same-Day Quotes
Personalized Service
No Hidden Fees
Ongoing Support
What We Offer

Coverage Built for
Every Stage of Life

We shop dozens of top-rated carriers to find you the best rates and coverage — at no extra cost to you.

Life Insurance

Ensure your loved ones are financially protected no matter what tomorrow brings. We offer term, whole, and universal life options.

  • Term Life — affordable, flexible coverage
  • Whole Life — lifelong protection + cash value
  • Universal Life — adjustable premiums & benefits
  • Final Expense coverage
Health Insurance

Quality health coverage for individuals, families, and the self-employed. We navigate the marketplace so you don't have to.

  • Individual & Family Plans
  • ACA Marketplace coverage
  • Short-term health plans
  • Supplemental & dental/vision add-ons
Annuities

Secure a reliable income stream for retirement. Annuities offer peace of mind — guaranteed income you can count on for life.

  • Fixed Annuities — guaranteed growth
  • Indexed Annuities — market-linked upside
  • Income Riders — lifetime paycheck
  • Rollover & IRA strategies
Why ZacSmithIns

An Advisor Who Works
For You — Not the Insurer

As an independent agent, I'm free to shop the market and find the coverage that truly fits your life — without bias.

Independent Agent
No single carrier tie. I compare dozens of top-rated insurers to get you the best policy at the best price.
Unbiased Advice
You're Not a Number Here
Every client gets direct access to Zac — personal guidance at every step, from quote to claim.
White-Glove Service
Local Utah Expertise
Deep knowledge of the Utah market and the carriers who serve it best.
Salt Lake City Based
  • Licensed & Compliant
    State licensed and regulated — you get protection backed by professional standards and carrier accountability.
  • Fast, Efficient Process
    From your first call to a signed policy, I make it simple. Most clients are covered within days, not weeks.
  • Long-Term Relationship
    I review your coverage annually as your life changes — marriage, kids, retirement — your protection evolves with you.
  • No Cost to You
    My fee is paid by the insurance carrier — you get expert guidance and personalized service at absolutely zero cost.
How It Works

Simple. Straightforward.
Stress-Free.

1
Free Consultation

We talk through your needs, budget, and goals — no pressure, no jargon.

2
Shop the Market

I compare top-rated carriers to find your best rates and coverage options.

3
Review Your Options

You review clear, honest quotes — I answer every question until you're confident.

4
Get Covered

Sign your policy and rest easy — your family is protected starting today.

Client Reviews

Trusted by Families
Across Utah

★★★★★

Zac made getting life insurance surprisingly easy. He explained everything clearly, found us a great rate, and we were covered in under a week. Highly recommend!

MJ
Mike & Jenny T.
Term Life client — Salt Lake City
★★★★★

As a self-employed contractor I had no idea where to start with health insurance. Zac walked me through all my options and saved me over $200/month. Incredible service.

DR
David R.
Health Insurance client — Provo
★★★★★

We set up an annuity with Zac's guidance and finally feel secure about retirement. He was patient, knowledgeable, and never pushy. He genuinely cares about his clients.

PL
Patricia L.
Annuity client — Ogden
Get In Touch

Let's Find the Right
Coverage for You

Fill out the form and Zac will reach out within one business day — usually same day.

Location
Salt Lake City, Utah
Phone
(801) 555-0192
Office Hours
Mon–Fri, 8am–6pm MST

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