406 Insurance · Hamilton, Montana
Term and permanent life insurance
Protection for the people who count on you, and the things you'd hand down.
Who this is for
The people we usually see for this
Parents covering an income and a mortgage. Couples who'd want the other to keep the house. Business owners protecting a partner or a key employee. Families with a ranch or a small business they plan to pass on.
In retirement the question turns to final expenses, a smaller policy, or leaving something to grandchildren, a church or a cause close to home.
What people get wrong
Most people guess at the amount, and just as many aren't sure whether term or permanent fits what they want the policy to do.
Replacing an income for years is a bigger number than it feels like. Coverage through an employer usually ends when the job does. And older policies sit untouched for decades, often without the living benefits newer policies can include.
Before you call
What people worry about
Three things come up almost every time.
Who takes care of my family if I'm gone
That's the question behind most of these calls. The paycheck stops, and the mortgage and the bills keep coming.
I don't want to leave a mess behind
Final expenses are what many people worry about most. A smaller policy can take that weight off the people you love.
What will it cost me
Fair question. What you need and what you can comfortably pay are both part of the assessment from the start.
Our work
Where we come in
We run a proper needs assessment rather than a rule of thumb, then look across highly rated carriers for the fit.
At some carriers we have direct contacts in underwriting, so your case can be discussed on its facts. Many of the companies we work with let a term policy convert to permanent later, and we write coverage with living benefits you can use during your lifetime.
What working together actually looks like
We talk through what you're protecting and why, then run the numbers together.
Once you've picked a direction, we submit the applications and guide you through underwriting until a carrier offers a policy that fits both your goals and your budget.
Carriers we compare
Questions about this coverage
What people ask most often about this one, answered the way we would answer on the phone.
Yes. We believe life insurance is an important part of protection planning for individuals and families at many stages of life, not only later in life.
We offer both term and permanent life insurance, and we help you think through your family, your income, your debt, your business responsibilities, your future goals and the people who depend on you. Some policies may also include living benefits that can provide access to benefits during your lifetime if you experience certain qualifying illnesses or health events.
Our goal is to help you understand the options and build protection that fits your life today and can change as your needs change.
Protection planning means looking at the bigger picture rather than buying one insurance policy. We take the time to understand your health coverage, your family, your income, your responsibilities, your stage of life, and the financial risks you want to protect against.
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.
You might also want to look at
People who buy their own health coverage often end up asking about these.
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For people new to Medicare, new to the valley, or checking whether their Advantage plan still fits.
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For Bitterroot business owners who want to offer good benefits and still run the business.
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Accident, critical illness and hospital coverage that pays you directly when a health event hits your finances too.
Still deciding whether this is right for you?
That is the conversation, not the paperwork. Tell us what you have now and what you are trying to protect, and we will walk through whether this fits.
