"I'm happy to help any way I can, even if you are not my client."

Rick Carpenter, JD - "The Insurance Doctor"


Independent Insurance Agent - Health, Life, Medicare, Supplemental, Short-term

Always Available... Almost

No kidding! I can almost always be reached whenever you need me. At midnight, on vacation, wherever and whenever.

Wide Variety of Options Available

Healthcare Marketplace, private health plans, Medicare, supplemental plans, short-term bridge plans, individuals and small businesses. There's something for everyone.

By Appointment... Mostly

Please contact me directly so we can arrange a time to meet. I am available to come to your home or business if that is more convenient.


I have been a full-time agent for 13 years, working with most types of health and life insurance options, and with kids from one to 92... and older.



Juris Doctorate Degree (Law Degree) specifically in Health Law from Purdue University Global School of Law - Los Angeles. 

Licensed in Utah, Arizona and Texas, Oklahoma and Wyoming.


Commitment to Service

I make myself available anytime I possibly can, whether at midnight, when I am on vacation, or if I need to pay you a personal visit away from my office. I'm here for YOU.

I am happy to help anyone, whether you are my client or not, and my services are always FREE.


How Can I Help You?

Healthcare Marketplace

Great for many families

If you qualify for Advance Premium Tax Credits from the government, your monthly premiums can be very affordable. 


Several plan options available

Medicare isn't a "one size fits all" program. Several important factors must be considered, such as costs of services, geographic coverage area, and the prescription drugs you take. 

Private Health Insurance

The Healthcare Marketplace doesn't work well for everyone.

If you earn too high an income to get decent value from the marketplace, or if you don't like your employer's group option, look at private coverage. If you're reasonably healthy, it might be just the option you've been looking for. 

Life Insurance

Protecting what is most precious - your family

Several options exist ranging from term life to permanent policies with market growth and borrowing options, to senior final expense plans.

We are located at 765 N Main St, Spanish Fork, UT 84660 *

Our Building

Just south of the Spanish Fork Parks & Rec building at 800 North and Main Street. 

Our Office Space

We have a comfortable office space with a waiting area, conference table, and private offices to serve you with confidentiality and professionalism. 

Where We Are

Next door to the Spanish Fork Parks & Recreation building, directly across the street from Carl's Jr. Only about a quarter mile south of the I-15 Main Street exit. 

Contact me

Telephone: (801) 609-4401


E-mail: rcarpenter@insurewithcompass.com


Address: 765 N Main St, Spanish Fork, Utah 84660 *


* Please text or call before coming to the office. I regularly visit with people away from the office and would want to make sure to be there if you plan to stop by. 








Text me for the fastest response. 


I usually receive and respond to text messages faster than any other method of communicating. 

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