Suburban House
How do you protect the equity in your home? 

Request a Free Personal Equity Protection Quote 

Family Preparing Dinner
Mortgage Protection Insurance
  •  Every Year you grow older, the cost of protection increases

  •  Lock in level premiums

  •  Child policies are very inexpensive

  • Living Benefits can pay out while you are still alive

  • Safely protect your retirement


Statistics show that 91% of Home Owners would lose their home to foreclosure if either breadwinner were to pass away.

The Darger Agency is a broker for 40 plus insurance carriers, and can customize protection unique to you, your age, and your health. 



3701 S. Bumblebee Dr

Cedar City, Utah 84720


Tel: 801-245-9926


Monday - Friday 

8:00 am to 6:30 pm



9:00 am to 12:00 pm


Evenings by Appointment

  • Term Insurance is what it sounds like. It is insurance that has a starting date and an ending date. Or in other words, it is insurance for a certain term of years.

  • It is typically used to protect mortgages, which usually run for 15, 20, or 30 year terms. Some terms are convertible to Whole Life coverage.

  • Term insurance is very inexpensive because the carriers only pay out on approximately 1% of all policies.

  • Whole Life Insurance is what it sounds like, it is insurance for your whole life!

  • It is more expensive than Term Insurance.

  • It has a cash value component that is a hedge against inflation, and a safe growth of your money for retirement.


What is Whole Life Insurance?

Whole Life Policies and Term Policies
Mother and Son

What is Term Insurance?

  • Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

What is Universal Life Insurance?

Garden Path
Debt Free Life

If I could show you how to get out of debt in an average of 9 years or less, including your mortgage and student loans without spending more than you are currently spending, would that be of interest to you?

Are you 100% sure you are going to have enough money to retire on, or do you have some doubt?

  • A Debt Free Life policy leverages your to get you out of debt faster than you ever thought possible, while saving for retirement at contractually guaranteed 4% interest rate.

  • A Debt Free Life Policy also grows your death benefit while growing your cash value.

  • This death benefit provides Living Benefits for the insured. Living Benefits allow an insured to withdraw funds from the Death Benefit if he is diagnosed with a terminal illness, a chronic illness, or a critical illness.