About 406 Insurance · Hamilton, Montana
An independent agency that helps you understand your options
Being independent means we represent multiple carriers and products rather than one company's shelf. That gives us room to find what actually fits you, and time to explain why it fits.
Why independent matters
You have probably talked to someone who could only show you one thing
They were likely perfectly nice about it. That is not the problem. The problem is that an agent who works for one company can only sell you what that company offers, so the answer was decided before you called.
How this works
What a consultation actually is
About an hour. Bring your questions.
We start with your situation
What you have now, what you are worried about, and what you need the coverage to actually do. We listen first, then we explain what your options mean.
We explain the options in plain language
Including the ones that are not right for you, and why. If a term does not make sense, we will keep going until it does.
You decide, and there is no obligation
Nothing gets decided in the first meeting unless you want it to. Plenty of people leave knowing more and enroll somewhere else, and that is fine.
We teach before we recommend
Our job is to make you the expert on your own coverage. What you do with that is up to you.
We will always be honest
If nothing we represent is right for you, we will say so and point you somewhere else.
We answer the phone
Not just during enrollment. Call us in anytime about a billing question and someone picks up.
The people who stay with you
Licensed agents who spend their days helping individuals, families, businesses and retirees.
Nate Lant
Independent Agent
Kelly Blyth
Owner and Independent Agent
Angie Johnson
Independent Agent
Gina Hankal
Business Manager
Get to know them better
Backgrounds, credentials, and what they enjoy helping people with most.
Visit us
Right here in the Bitterroot
Find us on North 1st Street in Hamilton. Give us a call to book a time, and we'll set aside a full hour to go through your coverage with you, in person or by phone.
Office
320 N 1st St, Suite D4
Hamilton, MT 59840
Monday to Thursday, 9am to 3pm. Friday, 9am to 12pm. By appointment.
Questions about how we work
The ones people ask before they decide whether to call us.
Yes. From our Hamilton office we are taking on new clients across the Bitterroot Valley and throughout Montana, and our agents are also licensed in Washington, Idaho, Oregon, Arizona, New Mexico, Tennessee, Texas, Utah and Michigan.
There is typically no additional cost to work with us. As independent insurance agents, we are generally compensated by the insurance carriers we represent.
Our role is to help you understand your options, answer your questions, and help you look at the bigger picture of your health insurance and protection planning.
Yes. As independent insurance agents, we work with multiple established insurance carriers and offer a variety of insurance products.
That lets us look beyond a single company or a single type of coverage, and help you consider options that fit your lifestyle, your budget, your family and your overall protection needs.
We offer a broad range of health and protection options for individuals, families, small businesses and retirees. That includes individual and ACA health insurance, life insurance, disability and income protection, accident coverage, cancer, hospital indemnity, heart attack and stroke coverage, long term care planning, employee benefits, and Medicare coverage.
Absolutely. Insurance and protection needs change through every season of life. You may be buying your own health insurance, starting a family, protecting your income or your business, building a financial safety net, planning for retirement, creating a legacy, or looking for ways to help protect the next generation.
Our goal is to look at the bigger picture, meaning health insurance, life insurance, income protection, supplemental coverage, long term care planning and more, and to help your coverage evolve as your life does. We want to be a resource you can turn to along the way.
Answer pending from Kelly. Do not publish this item until the answer is written and this switch is turned on.
They are the same family-owned, independent agency under two names. 406 Insurance serves Montana from our Hamilton office. Our Washington agency, Five-0-Nine Insurance, has offices in Spokane, Yakima and Walla Walla.
Several of our agents are licensed in both states. If you split your time between Montana and Washington, move across the state line, or have family on the other side, you can keep working with the same people. Call (406) 802-9990 in Montana or (509) 979-2578 in Washington.
Gina or another member of our team gets back to you within one business day, by phone or email depending on what you asked for. We learn a little about what you need and set up a time to meet.
Before the meeting we email you a secure form covering permissions, prescriptions, providers and goals, so there is no list to bring with you.
Our Hamilton office is by appointment. That way your time with us is not interrupted, and we have done our homework on your situation before you arrive. Call (406) 802-9990 and we will find a time that works for you.
Yes. We meet in person in Hamilton, by phone, or on Zoom or Teams. If the drive up or down the valley does not fit your day, the conversation works just as well from home.
The first meeting takes about an hour, and it is for learning, not deciding. We go over your current coverage, your doctors, your prescriptions and what you are trying to protect, and we explain how your options work. Nothing is decided that day.
Afterward we research what is available to you and meet again to walk through the choices together.
Now you know us. Tell us about you.
You have read about our team and how we work. The next step is a conversation about your situation, your doctors and your budget, and there is typically no additional cost to work with us.
