Life insurance made easy.
Life is uncertain. People are not. Our life insurance will always be there for you when you need it most.
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Meet our Partners
Kimberly Mair, the owner of Red Desert Insurance Agency LLC and is WGFPS partner for the states of Wyoming, Utah and Montana. She defines the work “professional” and provides superior service, competitive markets with cutting-edge technology. When not with her clients, you can find her in the country, exploring mother nature, implementing wild life management and giving back to the communities she serves.
If you are a insurance professional and would like to explore joining the Kimberly Mair team, click below.
Learn moreWhy us?
Why us?
Local team members
We may be strong as individuals but together we are invincible. Local and here to help.
Instant quote
Real time quoting data on rates and/or product changes to help you have the latest prices.
Worry-free
No worries, we’ve got you covered. Helping you attain your peace of mind.
Expert coverage
With years of industry experience, providing you with more time and money in your wallet.
How It works
Here at WealthGuard Insurance Group, we take pride in providing a faster, better, and easier life insurance experience for you and your loved ones.
Rest easy knowing you're safe
In little to no time, you could qualify for a policy that could provide assistance for generations and help keep those you love safe.
Frequently asked questions
Here are a few of the most frequently asked questions about life insurance.
- Do I need life insurance?
- Not necessarily. If you have no children or dependents whom you support financially, you might not need a life insurance policy after all. Life insurance aims to provide a solution for those who seek income replacement, mortgage protection, estate planning, leaving a legacy, or burial expenses. However, if someone you love is dependent on you financially, you need life insurance.
- How Can I Save Money When Buying Life Insurance?
- Buying a term life or a combination of term and whole life insurance may help you pay a lower premium. Buying a policy early in life is also a good way to ensure a lower premium.
- How does the insurance company determine my premium?
- Premium rates are typically based on factors such as age, gender, height, weight, health status (including whether or not you use tobacco), and if you participate in high-risk activities or occupations.
- What is a term policy?
- Term insurance plans cover you for a term of one or more years, and it pays a death benefit only if you die in that term. However, even if you don’t die within the term, you have not wasted your money any more than when you buy car insurance but never have an accident. You have bought yourself peace of mind that your beneficiaries will receive the death benefit if you should die within the term.
- Am I still eligible for coverage if I have a serious health condition?
- Most plans do require medical testing and charge premiums based on the level of risk they assign to you based on the testing. However, even if you are not in top health or have a serious health condition, there are still some options available with guaranteed issue plans, although this comes at the cost of a higher monthly premium and a lower death benefit.
- How much life insurance do I need?
- To determine how much life insurance you need, it’s best to look at your surviving family’s immediate, ongoing, and future financial obligations, and compare that with your financial resources.