Business Details
50+ Years
experience
Your Trusted Insurance Partner in Cedar City, Utah
Founded in 1972, Creamer Insurance Agency has built a legacy of trust and expertise in providing comprehensive insurance solutions for families and businesses across Southern Utah and Nevada. As a family-owned and operated agency, we pride ourselves on our personalized approach, working closely with clients to understand their unique needs and deliver tailored coverage options. Our team of experienced professionals, including Pat, Kade, and Karson Creamer, brings decades of industry knowledge to every consultation, ensuring clients receive informed guidance and competitive rates.We represent major insurance providers in Utah, offering a wide range of products including health, life, Medicare, and employee benefits plans, along with specialized services like disability income insurance, annuities, and identity theft protection. Our commitment to excellence is reflected in our 47-year track record of satisfied clients who rely on us to navigate complex insurance landscapes with confidence and clarity.
Services
Health Insurance
Medicare Supplements
Life Insurance
Employee Benefits
Long Term Care
Disability Income
Annuities
Dental Vision Plans
Identity Theft Protection
Health Savings Accounts
Details
- Year established: 1972
Highlights and features
- We offer 50+ years of experience in insurance planning and client advocacy.
- Our team provides personalized service through face-to-face consultations and customized coverage packages.
- We partner with major Utah insurance providers to secure competitive rates and comprehensive options.
- Our expertise spans all life stages, from young families to retirees and business owners.
- We guarantee transparent communication and ongoing support throughout the policy lifecycle.
What people say
Better coverage for lower premium
Impressed by expertise
Smooth as silk
Personalized service
Confident insurance choices
Services
Health Insurance
We provide comprehensive health insurance plans for individuals and families, including marketplace exchange options and customized policies. Our services help clients navigate coverage requirements, qualify for discounts based on age and income, and select plans with features like open access to specialists, prescription drug coverage, and preventive care benefits. With expertise in high-deductible and co-pay structures, we ensure affordable, tailored solutions that meet diverse healthcare needs.
Medicare Supplements
Our Medicare Supplement (Medigap) policies fill coverage gaps in Original Medicare Parts A and B, covering deductibles and coinsurance costs. These plans offer year-round enrollment options and protection against unlimited cost-sharing, with flexible underwriting timelines. We specialize in explaining plan differences, helping clients choose between Medigap, Medicare Advantage, and Part D prescription plans to optimize their senior healthcare coverage without annual open enrollment restrictions.
Life Insurance
We offer comprehensive life insurance policies designed for every life stage, including term and permanent coverage options. Our services help clients calculate appropriate coverage amounts by evaluating immediate, ongoing, and future financial needs such as funeral costs, debt obligations, and college funding. We provide policies with living benefits for terminal illness diagnoses and work with clients during major life events like marriage, homeownership, or retirement to ensure adequate protection for loved ones.
Employee Benefits
Our agency specializes in creating customized employee benefits packages for businesses of all sizes, including health, dental, vision, life, and disability insurance. We help employers evaluate and upgrade existing plans or establish new coverage that balances comprehensive protection with cost-effectiveness. Our services extend to critical illness coverage and retirement planning, ensuring businesses can attract and retain talent while meeting diverse workforce healthcare needs through major Utah-based insurance providers.
Health Savings Accounts
We assist clients in establishing Health Savings Accounts (HSAs) paired with qualified high-deductible health plans (HDHPs) to maximize tax advantages. Our guidance helps individuals and families leverage pre-tax contributions for medical expenses while building long-term healthcare savings. We explain eligibility requirements, contribution limits, and investment options, ensuring clients optimize their financial strategy for both immediate healthcare costs and future medical needs through this tax-efficient coverage complement.
People
Pat Creamer
Founder
With over 47 years of experience, Pat Creamer established the agency in 1972 and continues to provide strategic leadership. His deep understanding of insurance markets ensures clients receive expert guidance through complex policy decisions.
Kade Creamer
Agent
Kade Creamer brings modern expertise to the family business, specializing in Medicare transitions and individual health plans. His client-focused approach has helped numerous families secure affordable coverage during major life changes.
Karson Creamer
Team Member
Karson Creamer supports the agency's operations, contributing to the team's ability to deliver personalized insurance solutions while maintaining the family-owned commitment to exceptional service.
Questions
What types of insurance plans do you offer?
We provide health, life, Medicare, dental, vision, disability, and long-term care insurance, along with employee benefits packages and health savings account-compatible plans.
How do you help clients choose insurance plans?
We conduct personalized consultations to understand your specific needs, budget, and life stage, then recommend customized coverage options from major Utah insurance providers.
Do you serve areas outside Cedar City?
Yes, we serve Beaver, Parowan, Enoch, and surrounding regions in Southern Utah and Nevada, providing both in-person and remote consultation options.
Can you help with Medicare enrollment?
Yes, we specialize in Medicare Supplements, Advantage Plans, and Part D prescriptions, guiding clients through enrollment and plan comparisons to optimize senior healthcare coverage.
Are your services available for small businesses?
Yes, we create customized employee benefits packages for small businesses, including health, dental, life, and disability insurance options to suit various budgets.
