Intermountain Business Insurance, a Utah based full service insurance agency

Personal Insurance

Home/Auto

Life Insurance

Health Insurance

IBI is pleased to provide a full range of coverage's for your personal needs. From the first time buyer, to high valued homeowner, automobiles, and umbrellas, we will review, quote, and secure coverage's for your needs.

We want to make sure that your insurance actually protects you. IBI is an independent insurance agency dedicated to finding you the comprehensive insurance coverage you need.

Home/Auto

Whether you need to protect your car and home, want insurance for the possessions in your apartment, or need a general umbrella policy for peace of mind, our agents will provide you with outstanding service and the policies you need. We pride ourselves on finding affordable MA personal insurance policies that protect your most important assets. We want to ensure that your insurance policies provide protection for your biggest concerns.

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Type of construction Frame Brick Condo Mobile

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Car	Year	Make	Model	Vehicle Identification Number	Car mostly used for	Miles driven one-way	Miles driven annuallly
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All driver's names	DOB	Relationship	Sex	Marital status	Date of violation	Type of violation

Liability

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Deductible

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Life Insurance

Our term life insurance plans are among the most competitive options available offering 10,15, 20 and 30 year guaranteed level premiums. The companies we represent not only are among the industry’s most financially stable but also offer an array of policies that provide us the ability to offer great rates for those with or without significant pre-existing health conditions.

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Health Insurance

Today individuals and families have challenging choices when considering health insurance plans. There are more plan designs and options available and deciding which program is appropriate for one’s family can be confusing.

Underwriting Guidelines	Athletic Preferred	Preferred	Average
Family	No cancer or cardiovascular death of either parent before age 60.	No cancer or cardiovascular death of either parent before age 60.	No more than 1 cancer or cardiovascular death of parents before age 60.
Blood Pressure	140/85	150/90	155/95
Cholesterol Levels	Under 210, HDL: Under 5.0	Under 240, HDL: Under 6.5	Under 280, HDL: Under 8.0
Health History	No history of major health conditions, such as, cancer, diabetes, heart disease.	No history of major health conditions, such as, cancer, diabetes, heart disease.	Some major health conditions allowed.
Driving History	No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving.	No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving in the past 5 years.	No more than 2 moving violations in the past 3 years. No record of DUI or reckless driving in the past 2 years.
Tobacco	No use of nicotine products in past 3 years.	No use of nicotine products in past 3 years	No use of nicotine products in past 1 year
Substance/Alcohol Abuse	No history of alcohol or substance abuse.	No history of alcohol or substance abuse.	No alcohol or substance abuse in the past 7 years.
Aviation	requires additional rider.	requires additional rider.	requires additional rider.

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