Securing your freedom since 2002

Your Independent Insurance Broker in Utah

We are an independent insurance broker licensed across Utah, and we run your home, auto, life, health, and business coverage across every carrier we are appointed with, so one conversation replaces six quotes that never quite line up.

Licensed in Utah since 1995. Independent since 2002.

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Home, Auto, Life, Health, and Business Coverage in One Place

Most households come to us for one policy and end up moving the rest over, because one agency holding the whole picture catches the gaps between policies that nobody else is looking for.

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Home Insurance

For Utah houses, condos, and rental property, written with the hail, wind, and earthquake exclusions this state's policies carry in plain view.

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Life Insurance

Sized to your mortgage, your kids, and the years your paycheck still has to show up.

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We write recreational vehicle, umbrella, disability, long-term care, group benefits, and commercial coverage anywhere in the state.

An Independent Insurance Agency Serving Utah Since 2002

Glenn R. Smith has been licensed in insurance since 1995 and founded Eagle Financial Resources in American Fork in 2002. He moved the agency from captive to independent for one reason: a household's coverage should be able to go out to more than one company's shelf. That is still how a quote works here, and it is why we can tell you what the market will actually give you instead of only what one company would charge.


We are licensed to write policies anywhere in Utah, so where you live in the state has never decided who we can cover. That includes Wasatch Front towns like Lehi, Pleasant Grove, Lindon, Orem, Provo, and Saratoga Springs, and it just as easily includes a household in Cedar City or a business in Vernal.


The work runs by phone, email, and text. We review what you have and quote what you need without either of us moving a schedule around, documents are signed electronically, and proof of insurance goes out by email the same day it is bound. You can read more about our American Fork roots and the coverage we write for this community.

What two decades in one town looks like

  • BBB accredited with an A+ rating.

  • More than 400 Utah families and businesses currently with us.

  • Leadership roles in the American Fork Chamber of Commerce and the Rotary Club, including educational projects for local children.

  • Boy Scouts of America service at both the troop and district level.
Read More About Us

Conversation First, Numbers Second

Comparing quotes is not the same thing as comparing coverage, and a form cannot tell the difference. Here is the order we work in, on every line we write.

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01

We get to know what you own and what you owe

A twenty-minute conversation, on the phone or over text if that is easier, about the house, the cars, the toys in the driveway, the people who depend on your income, and the business if there is one. Nothing gets priced before we know what has to be covered.

02

Your coverage goes out to the carriers we are appointed with

We run the household or the business across multiple insurance companies licensed in Utah, at limits that match each other, so the numbers coming back are actually comparable.

03

We walk through the options, then you decide

We show you where the policies differ, which limits we would move and why, and what each change costs. You choose from a set of real options rather than a single recommendation.


Every year after that, we look at whether the carrier holding your coverage is still the right one before the renewal goes through.

What Our Clients Across Utah Say

Kristen B.

Helen B.

Brittany F.

Ashlee F.

Tanya T.

Melanee L.

Douglas M.

Jaima E.

Doug W.

Erin L.

Alexander G.

Carol A.

Elizabeth T.

Rebekah K.

Judd B.

Rebecca T.

How Can We Help?

  • Property & Casualty Insurance

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    Secure your tangible assets with our Property & Casualty Insurance, which offers comprehensive protection against damage or loss due to accidents, natural disasters, or theft. Tailor your policy to cover a wide array of property types and liability situations, ensuring that both personal and business assets are safeguarded under one robust plan. Our personalized approach helps manage risks effectively, keeping your investments and daily operations smooth and uninterrupted.

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  • Health & Well-being Insurance

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    Prioritize your health with our Health & Well-being Insurance, designed to cover all aspects of your medical needs from preventative care to serious health issues. Our individual health plans are customizable to fit your lifestyle and health requirements, ensuring that you receive the best care without financial hardship. Additionally, our long-term disability insurance offers a safety net, providing you income security if you are unable to work due to illness or injury.

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  • Financial & Retirement Planning

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    Plan for a secure financial future with our Financial & Retirement Planning services, which include a range of options like annuities, long-term care insurance, and individual retirement accounts. These tools are essential for building a stable financial base, ensuring you can enjoy your retirement years without economic worries. We also specialize in high net-worth insurance, providing tailored solutions that protect and grow your significant assets against various financial risks.

  • Business Risk Management

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    Protect your business operations with our comprehensive Business Risk Management services, designed to mitigate risks and safeguard your business assets. From general liability to specialized industry coverage, our insurance solutions are tailored to the specific needs of your business, ensuring that you are well-prepared for unexpected events. Our policies can cover everything from property damage and legal liabilities to cyber threats, helping you maintain business continuity no matter the circumstances.

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  • Employee Health & Benefits

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    Invest in your most valuable asset—your employees—with our Employee Health & Benefits insurance plans. We offer a variety of plans including group health, dental, and vision insurance that are designed to promote the well-being of your team, which in turn can enhance job satisfaction and retention. Our plans are flexible, affordable, and crafted to meet the diverse needs of your workforce, ensuring that your team feels valued and taken care of.

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  • Financial & Strategic Planning

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    Ensure the long-term success and financial health of your business with our Business Financial & Strategic Planning services. From business continuity planning to buy-sell agreements, we provide critical advice and insurance solutions that help you plan for the future and protect against financial disruptions. Our team of experts will work closely with you to develop strategies that align with your business goals, helping to optimize your financial operations and secure your business's future.

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Local ownership

We have been an independent, locally owned agency since 2002, and the person who quotes your policy is the person who picks up when you call about it next year.

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Everything under one roof

Home, auto, life, health, recreational vehicles, group benefits, and commercial coverage all sit with one agency, so nothing falls into the space between two agents.

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Explained before it is quoted

We work to bring the premium down while keeping the coverage intact, and we tell you which limits moved before you sign anything.

Straight Answers About Using an Insurance Broker

  • Is it cheaper to use an insurance broker?

    There is no separate charge for our advice, because we are paid by the insurance company that ends up writing the policy rather than by you. Whether your premium comes down depends on which carriers are competitive for your home, your driving record, or your industry in a given year, and comparing several is how anyone finds out. Our aim is to bring the cost down without quietly taking coverage out to do it.


  • Is it more expensive to get insurance through a broker?

    Working through an independent agency does not add a fee on top of your premium. The rates we quote are the carrier's own rates filed with the Utah Insurance Department, and our compensation comes from the company we place the coverage with. You are paying for the policy, not for the help choosing it.

  • What is the downside of using an independent insurance agency?

    We keep business hours and we are not a call center that never closes, so there are evenings when you will reach voicemail rather than a person. The trade is that the same person handles your file every year and knows your history before you finish the sentence. If binding a policy online at two in the morning matters more to you than having someone to call, we are honest that we are not the right fit.

  • Is it worthwhile using an insurance broker?

    One conversation gets a household quoted with several carriers instead of one, and you get someone who reads the policy with you before you buy it. Each year we check whether the company holding your coverage is still the right one, rather than letting the renewal pass on autopilot. For most Utah families the value shows up twice: at renewal, and at claim time.

  • How do I find an independent insurance agent in Utah?

    Look for an agency licensed in Utah and appointed with more than one carrier, then ask how many companies your coverage will actually go out to. Ask who will be handling the file a year from now, because that is the part that decides what a renewal or a claim feels like. We are licensed statewide and reachable at (801) 477-5214, by email, or through the contact form.

  • Do I have to be near American Fork for you to write my policy?

    No. We are licensed to write coverage anywhere in Utah, and almost all of our work is handled by phone, email, and text no matter which county you are in. We can review your current policies, quote them across our carriers, take signatures electronically, and email your proof of insurance without you driving anywhere.

  • What does an independent insurance agency do?

    An independent agency represents several insurance companies rather than one, so a single review can be placed with whichever carrier fits the risk and the budget best. We take a household or business through what it owns and owes, run that coverage across our appointed carriers, explain where the policies differ, and stay on the file through renewals and claims. In Utah that means one agency can carry your home, your cars, your life policy, your health plan, and your business coverage.

Send us your current declarations pages and we will tell you what they actually cover. Call (801) 477-5214, or send the request over and we will start the review.

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