Steel for the guarantees. Water for how easily it fits your life.
Steelwater Insurance exists for one reason: to make sure that if something happens to you, your family keeps the house and the life you built together. We are an independent life insurance agency founded by Chandler Rust, specializing in mortgage protection for families across 35 states.
The mortgage protection industry has a trust problem. We are the fix, one family at a time.
Close on a home and watch your mailbox: within weeks it fills with official-looking letters urging you to protect your mortgage, most of them selling one carrier's product at one carrier's price, some of them barely explaining what you are buying. Families either throw it all away and stay unprotected, or sign something they do not fully understand. Both outcomes are failures.
Steelwater was built to be the third option. We are independent, so we shop multiple A-rated carriers, including Mutual of Omaha, Transamerica, Foresters, Banner Life, Lincoln Financial, Pacific Life, and Ethos, and recommend whichever one actually fits your health, your budget, and your timeline. We explain every policy in plain English, including the parts other agents mumble through: waiting periods, riders, what the fine print giveth and taketh. And we tell you when the answer is a cheaper product, or no product at all.
We are a young agency and we say so plainly, because it is a feature as much as a fact. You get the modern version of this business: no-exam underwriting, e-signatures, quotes by phone from your kitchen table, and one agent who knows your file personally. The guarantees behind your policy come from carriers that have paid claims for generations. The accountability comes from us.
Six commitments, in writing.
We Work for You, Not a Carrier
Multiple A-rated carriers quoted side by side, every time. Our recommendation follows your fit, not anyone's quota.
Every Clause, Explained
Waiting periods, riders, exclusions, loan mechanics: if it is in your policy, you will understand it before you sign it.
Advice, Not a Pitch
If term beats IUL for you, we say so. If you should not buy anything yet, we say that too. The right answer is the only thing we sell.
Coverage Matched to Real Numbers
Your balance, your income, your timeline. Not a round number a mailer picked, and never more policy than your budget can actually keep.
Days, Not Months
No-exam options, e-signatures, and carriers chosen partly for how quickly they approve. Protection should not take a season to put in place.
Your Agent After the Sale
Annual reviews, beneficiary updates, tobacco re-rates, conversion deadlines, and claim support for your family. The relationship starts at the policy, it does not end there.
Talk directly with the founder. That is the whole org chart.
Call and Chandler picks up. Tell him about your mortgage, your family, and your budget, and get real quotes from A-rated carriers in one conversation.
Four steps from first call to covered.
A real conversation
Ten to fifteen minutes by phone. Your mortgage, your family, your health picture, your budget. No forms to print, no office to visit.
We shop the carriers
Your profile goes against multiple A-rated insurers at once, targeting the ones most likely to approve your specific health history at the best rate.
You choose, fully informed
Top options side by side, in plain English, with the trade-offs stated out loud. Take the call, take a week, take none of them. Your move, no pressure.
Covered, and kept
E-sign the application, and many no-exam policies are approved within days. From then on you have an agent for life: reviews, changes, and if the day comes, claim support for your family.
New agency.
Straight answers.
The questions people rightly ask before trusting someone with this. Anything else, call (801) 719-2220.
Is Steelwater a new agency?
Yes, and we say so plainly. Steelwater is a young agency built on an old idea: one licensed agent, personally accountable, shopping strong carriers for your family instead of pushing one company's product. The policies we write are issued by A-rated insurers that have been paying claims for generations. The agency is new; the guarantees behind your policy are not.
Who will I actually be working with?
Chandler Rust, the founder. Not a rotating call center, not a lead-transfer operation. The person who quotes your coverage is the person who answers when you call two years later, and the person who helps your family file a claim if that day ever comes.
Are you tied to one insurance company?
No. Steelwater is fully independent. We hold appointments with multiple A-rated life carriers and are paid roughly the same regardless of which one you choose, which means our only real incentive is placing you with the carrier that fits your health and budget best.
What does it cost to work with you?
Nothing out of pocket, ever. Quotes, comparisons, policy reviews, and claim support are all free. Like every licensed agent, we are paid a commission by the carrier after you choose a policy, at no added cost to you: the premium is the same whether you buy through us or directly.
Do I need to meet in person?
No. Everything, from quotes to health questions to signatures, happens by phone and secure e-signature. Most families put coverage in place from their kitchen table in under half an hour, whether they are in Lehi or across the country.
Protect the people who depend on you.
One short conversation is all it takes. We will shop A-rated carriers, explain your options in plain English, and you decide. No commitment, no pressure, no cost to look.