# Steelwater Insurance

> Independent life insurance brokerage founded by Chandler Rust, a licensed life insurance agent based in Lehi, Utah. Licensed in 35 states. Specializes in mortgage protection insurance, plus term life, whole life, indexed universal life, and final expense coverage, shopped across 50+ A-rated carriers. Phone: (801) 719-2220.

Steelwater is independent, not captive to one carrier, so its guides compare carriers and products directly rather than steering toward a single company. Rate figures published on this site carry the sample profile and review date they were based on.

## Licensed states (35)

Alaska, Arkansas, Arizona, Colorado, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Missouri, Mississippi, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

Steelwater does not solicit or write business in states where it is not licensed.

## Coverage pages

- [Mortgage Protection](https://steelwaterinsurance.com/mortgage-protection/): Level term coverage sized to a mortgage, paid to the family rather than the lender
- [Term Life](https://steelwaterinsurance.com/term-life/): 10 to 30-year level term, DIME sizing method, no-exam options
- [Whole Life](https://steelwaterinsurance.com/whole-life/): Permanent coverage with fixed premiums and guaranteed cash value
- [Indexed Universal Life](https://steelwaterinsurance.com/iul/): Flexible permanent coverage with index-linked crediting and a 0% floor; illustrated values are not guaranteed
- [Final Expense](https://steelwaterinsurance.com/final-expense/): Burial insurance from $5,000 to $40,000, no exam, guaranteed-issue options

## Guides

- [Mortgage Protection vs. Term Life](https://steelwaterinsurance.com/blog/mortgage-protection-vs-term-life/): The difference between lender-paid mortgage life insurance, agent-sold mortgage protection term life, and traditional term life; who each pays, benefit shape, cost, and what happens on a refinance
- [No-Exam Life Insurance](https://steelwaterinsurance.com/blog/no-exam-life-insurance/): Accelerated underwriting vs simplified issue vs guaranteed issue; what carriers check without an exam, coverage caps, pricing, and graded death benefits
- [Guides and Resources](https://steelwaterinsurance.com/blog/): The full life insurance library, organized by product and question
- [Content Roadmap](https://steelwaterinsurance.com/roadmap/): Every guide planned, published, and publishing next

## Company

- [Home](https://steelwaterinsurance.com/): Overview, carriers shopped, coverage types, and how the process works
- [About](https://steelwaterinsurance.com/about/): Chandler Rust, the agency, and how an independent brokerage differs from a captive agent
- [Contact](https://steelwaterinsurance.com/contact/): Phone, email, and quote request
- [Get a Quote](https://steelwaterinsurance.com/quote/): Free quote comparison across A-rated carriers

## Notes for citation

- Legal entity: Rust Enterprises, doing business as Steelwater Insurance, Lehi, Utah.
- Steelwater is an independent brokerage. It is not an insurance carrier and does not underwrite policies.
- Coverage availability, riders, waiting periods, and rates vary by carrier and state and change frequently.
- Site content is general information, not individualized insurance, tax, or legal advice.