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No One Likes To Be Caught Off Guard

And having final expense insurance means that your loved ones are taken care of and can focus on what matters most.

Here at Spencer Life Insurance, we ensure you get the most affordable option that fits your unique needs

When a loved one passes away, the focus should be on celebrating their life and the process of grieving.

An unexpected financial burden overshadows this.

Having final expense insurance means that your loved ones are taken care of and can focus on what matters most. Why? Because final expense coverage provides a guaranteed lump-sum payment with the flexibility to cover the varying cost associated with one’s death.

We often think of funeral or cremation expenses when someone dies, but did you know there are other costs?

The medical costs associated with dying in Utah average $13,470, and funeral expenses are approximately $7,536. That’s an average of $21,005 and is forecasted to increase.

How does it work?


Book an Appointment

Schedule a meeting with one of our experts here at Spencer Life Insurance. We work for you as an independent agent, not a specific insurance carrier. That means we can search through numerous plans from several carriers to ensure you get the most affordable option that fits your unique needs. 


Get Covered

It doesn’t take long, and all we need is some basic health information to get you the coverage you need. Again we are independent agencies so we are able to search through numerous carries to make sure you get the most affordable option


Live Your Life

After you are covered you can go back and enjoy the most important things in life, such as your family.

Who we are

“My name is Alexander Spencer, and I own and operate Spencer Life Insurance. I specialize in final expense insurance as an insurance broker, also known as burial insurance.

I graduated from BYU-Idaho in 2012 with a bachelor’s degree in Therapeutic Recreation. While there, I learned how to serve people with extreme physical and mental health challenges to help improve their quality of life. Since joining the insurance world, I have used that knowledge and skillset to serve my clients at a higher level.

Too many good people are underserved and denied coverage as they wrestle with physical and mental challenges today. Because of this, I am passionate about finding the coverage you need to protect your family, as well as continuing to serve you long afterward.

I understand the importance of protecting one’s family because I have my own. My wife Sarah and I are the proud parents of three energetic children, with one on the way. There isn’t anything I wouldn’t do to keep them safe, and I look forward to helping you do the same.”


Why do I need final expense insurance?

Final expense insurance provides peace of mind. Why? Because it ensures that you are financially prepared if you were to die today and keeps the financial burden off your loved ones.

Why not just call the insurance company directly instead of working with you as a broker?

You’re welcome to but remember they will be limited in what they can offer. Since I don’t have a specific company I’m trying to sell for, I can search multiple insurance carriers to find a policy and price that fits your needs. Also, I’m at your beck and call day or night.

Can’t my kids deal with this and bury me in the backyard?

The truth is that 90% of the time, the burden falls on one person, and that is one of your children. Life is tough enough without this being thrown into your kid’s lap, and it just makes sense to keep this off of their plate by removing the financial burden.

What if insurance companies have already denied me coverage due to poor health?

Even if you have been denied coverage in the past, there are still options that I can help you explore. That’s the benefit of working with me as an insurance broker.

What if I have a terminal illness?

I talk with and help people in this situation find coverage that fits their needs all the time. How? Because I know this industry and care about my clients.

I’m super healthy and don’t need insurance!

I’m so glad you take care of yourself! I can get you a better insurance rate and have you lock in now while you’re still healthy. The longer you wait, the more expensive this problem becomes and the harder it gets! Everyone has a plan until they get punched in the face by life, so don’t wait.

What if I’m on a fixed income?

I often work with good people on a fixed income, so I know how to help you get coverage that counts. I’m not interested in stretching you because I know you’re on a budget.

Won’t the government pay for my final expenses because I’m on social security?

The short answer is no. Social Security only pays a tiny $255 death benefit.

If I already have life insurance, can I get additional coverage?

Absolutely! Getting additional coverage is a great idea! It’s called policy stacking, and it allows you to get the amount of coverage you desire if an insurance company is limited in what they can offer you.

I have enough money and don’t need life insurance!

You’re a wise retiree and are good with money! Savvy retirees like you know that if you’ve got enough money to write a check for $21,000 right now, then you’ve got enough money to pay a small premium, so you don’t have to!

I can’t afford to buy insurance!

I help many people in the same situation that make way less money than you. Let me run a couple of smart options by you that may help, and what you do with this information is up to you.

I need to wait before making a decision.

You know we have today, but we are not promised tomorrow! Your goal is to get the coverage you want to keep the burden off of your loved ones, so don’t wait. And the longer you wait, the harder it becomes and the more expensive it becomes. I know people who didn’t act while they had the opportunity, and they ended up leaving behind a legacy of regret.

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

Term has an end, while whole life doesn’t have an expiration date. You may have term insurance through an employer, but this will likely end after 5, 10, 15, 20, 25, or 30 years. We look at whole life options for retirees because it offers that peace of mind knowing your coverage doesn’t expire and your rates don’t go up.

Can I choose who my beneficiary is?

You can choose whomever you want as your beneficiary, and you can change this at your discretion.