Insuring a Bright Future

Get the right insurance plans for peace-of-mind!

About Us

Protecting Futures


We have years of insurance experience helping clients prepare for the unknown. Ask us about:







Have access to many different insurance carriers so you can get the right one for you. 

Assessing Need


Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price.

Building Relationships


Everyone has different insurance needs. Call us today for a personalized business or individual assessment and find out how we can help protect your hard-won assets.

Our Team

Irner Garcia


Irner began his career in insurance in April 1991 as Life Insurance agent with Eagle Star. By 1995 Irner had already achieved Worldwide recognition within the company for being among the top 3 producers in the world. His success continued until he retired in 2010.

In 2012 Irner came out of retirement to start Smart Insurance with a focus on Auto and Home Insurance. In 2013 Irner added Health Benefits. In the last 5 years Irner has become one of the best known Individual Benefits adviser in Utah.

Manny Garcia


Manny, a second generation insurance agent, started in insurance in 2007 working for JP Morgan Chase as a Personal Banker, Small Business Banker and licensed securities representative. In October of 2010 Manny started his own Insurance agency and through the years has become one of the most respected insurance agents in Utah specializing in Small Business Commercial Insurance and Individual Health Insurance such as Medicare and other Health Benefits.

In 2015 Manny joined Smart Insurance as a Co-Owner and currently enjoys the honor of working side-by-side with his father Irner.


Contact Us

Schedule a Free Asessment

6575 S Redwood Rd Ste 240, Taylorsville, UT 84123



Monday - Friday: 9am - 5pm

Saturday: By appointment only

Sunday: Closed