Term life
Coverage for the years your family depends on your paycheck, usually 10, 20 or 30 years. Term is usually the least expensive way to buy a large amount of coverage, and I can size it to your mortgage so the house stays paid for.
Home / Montana
Life, health and Medicare insurance in Montana
I’m Leif Allison, an independent agent based in Spokane and licensed in Montana. I shop 30 of the top A+ rated carriers in the nation, bring you the three that fit best, and stay your agent after you buy. Quotes are free, and there’s never any pressure.
- Billings
- Missoula
- Great Falls
- Bozeman
- Helena
- Kalispell
Why it pays to have an independent agent
30 top-rated carriers. The 3 that fit you.
I have access to 30 of the top A+ rated insurance carriers in the nation. I shop all of them for your age, health and budget, then bring you the three that fit best, side by side, so you can choose with the full picture.
Find my top 3How I find your 3
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30
The market A+ rated carriers I can shop
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Your story Conversation about what you need
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Your shortlist Best fits, brought to you to compare
Montana specifically
What’s different about insurance in Montana
Montana is big and spread out, so health coverage here comes down to which hospitals a plan works with. When the closest in-network specialist could be two hours away, a cheap plan your local hospital doesn't take is no bargain. Before I recommend a health or Medicare Advantage plan in Montana, I check the network against the doctors you already see.
Insurance is regulated state by state. Carriers file different products in different places, health networks are drawn county by county, and licensing and consumer protection in Montana sit with the Montana Commissioner of Securities and Insurance, Office of the State Auditor.
Coverage in Montana
What I can help with in Montana
Life, health and Medicare, from one agent. You won’t get handed off to a different department for each one.
Whole life
Coverage for your whole life, with a premium that never goes up and cash value the insurance company guarantees. A good fit when you want something permanent and predictable.
Final expense
A smaller policy that pays for a funeral and final bills, so your kids aren't left covering them. Many plans skip the medical exam, and the premium is set to fit a fixed income.
IUL and universal life
Permanent life insurance with flexible premiums and index-linked interest credits. Understand the funding, costs and risks before choosing a policy.
Annuities
A way to turn savings into steady retirement income without riding the stock market. Before you commit, I'll walk you through the surrender period, the fees, and when you can get to your money.
Health insurance
Individual and family plans for the self-employed, early retirees and anyone between jobs. I check the networks so your doctors are in the plan you pick.
Medicare and Medicaid in Montana
Turning 65, retiring, or helping a parent sort it out? I’ll explain how Parts A, B, C and D fit together, compare Medicare Supplement with Medicare Advantage, and check Part D plans against the prescriptions you take.
If you qualify for both Medicare and Medicaid, I can explain how dual-eligible coverage works and what it means for you. Medicare’s Annual Enrollment Period runs October 15 to December 7.
- Medicare Advantage and Supplement compared for your county
- Part D checked against your prescriptions
- Help for people with both Medicare and Medicaid
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Allison Agency is not connected with or endorsed by the United States government or the federal Medicare program.
Montana questions
Questions people in Montana ask me
Is Leif Allison licensed in Montana?
Yes. I'm licensed in Montana for life and health insurance, National Producer Number 21477755. I'm independent, so I shop 30 top A+ rated carriers instead of selling for one. Licensing in Montana is regulated by the Montana Commissioner of Securities and Insurance, Office of the State Auditor, and you can look up any agent's license with them or through NIPR.
What does it cost to work with an agent in Montana?
Nothing. Quotes and advice are free. The insurance company pays my commission when a policy is issued, and your premium is the same whether you buy through me or directly.
Which parts of Montana do you serve?
All of Montana, including Billings, Missoula, Great Falls, Bozeman, Helena and Kalispell and the areas around them. Most conversations happen by phone or video, so where you live in the state doesn't limit your options. For health and Medicare plans your county decides which plans exist, and I check that first.
Do I need a medical exam to get life insurance in Montana?
Often not. Several carriers approve some applicants based on the application and database checks, with no exam. It depends on your age, the coverage amount and your health history, and I'll tell you up front which route fits.
Can you help with Medicare in Montana?
Yes. I can explain how Parts A, B, C and D work together and compare Medicare Supplement with Medicare Advantage for your county. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
You can verify my license on the NIPR producer lookup using NPN 21477755.
I’m also licensed in
Let’s figure out what your family needs.
Call me or send a quick note. You’ll hear back from me, not a call center.