Term Life & Mortgage Protection
The most coverage for the lowest monthly premium, for a set period of 10, 20 or 30 years. Sized to your income, or to your mortgage balance so your family can remain in their home.
Allison Agency / Montana
Life, health and Medicare insurance in Montana
Allison Agency is an independent life and health insurance agency serving Montana, led by principal agent Leif Allison. We compare options from multiple carriers and explain them in plain language. Consultations are free, and there is never any pressure to decide.
- Billings
- Missoula
- Great Falls
- Bozeman
- Helena
- Kalispell
Coverage in Montana
A complete range, from one agent
Many agencies focus on a single product line. Allison Agency is licensed across both life and health, so one conversation in Montana can address your family’s full picture.
Whole Life
Permanent coverage that does not expire, with a premium that never changes and cash value that accumulates at a rate guaranteed by the carrier.
Final Expense
Smaller benefit amounts for funeral costs, outstanding medical bills and final debts. Simplified underwriting, with no-exam options available to most applicants.
IUL & Universal Life
Flexible permanent coverage. Indexed universal life credits interest tied to a market index, subject to a cap and a floor. We review the full illustration with you, line by line, before any application is submitted.
Annuities
Fixed and indexed annuities for retirement assets you would rather not expose to market volatility, with the surrender schedule and fees explained clearly before you commit.
Private Health Insurance
Individual and family plans, including options for the self-employed and for those between jobs. Networks and deductibles compared against the plans genuinely offered in your county.
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Medicare and Medicaid in Montana
Whether you are approaching 65 in Montana, retiring later, or helping a parent understand their choices, we walk through how Parts A, B, C and D work together, where Medicare Supplement differs from Medicare Advantage, and how prescription coverage prices out against the medications you actually take.
Medicare Advantage and Part D availability is set county by county rather than statewide, so the answer in one part of Montana is genuinely different from the answer in another. If you qualify for both Medicare and Montana Medicaid, we can explain how dual-eligible coverage works and what it means for your options.
- Medicare Advantage & Supplement compared for your county
- Part D checked against your prescriptions
- Dual-eligible (Medicare + Medicaid) guidance
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 specifically
What is different about buying here
Montana is the fourth-largest state by area with one of the smallest populations, and health insurance here is shaped by that more than by anything else. Which hospital system a plan contracts with matters enormously when the nearest in-network specialist may be a two-hour drive rather than a two-mile one. Before recommending any health or Medicare Advantage plan in Montana, we check the network against the providers you already see, because a low premium on a plan your regional hospital does not accept is not a saving.
Insurance is regulated state by state. Carriers file different products in different places, health networks are drawn county by county, and Montana licensing and consumer protection sit with the Montana Commissioner of Securities and Insurance, Office of the State Auditor. Working with an agent who is licensed here, and who will still be the person answering the phone next year, is the difference between receiving a quote and receiving an answer.
Montana questions
Straight answers
Is Leif Allison licensed in Montana?
Yes. Leif Allison, principal agent of Allison Agency, is a licensed life and health insurance agent serving Montana, National Producer Number (NPN) 21477755. The agency is independent, so we compare multiple carriers rather than representing a single company’s catalog. Insurance licensing and consumer complaints in Montana are handled by the Montana Commissioner of Securities and Insurance, Office of the State Auditor, and you are welcome to verify any producer’s license with them directly.
What does it cost to work with an agent in Montana?
Nothing. Quotes and guidance are provided at no cost to you. Agencies are compensated by the insurance carrier when a policy is issued, which means your premium is the same whether you purchase through us or go directly to the carrier. You simply have someone comparing the options on your behalf.
Which parts of Montana do you serve?
All of Montana, including Billings, Missoula, Great Falls, Bozeman, Helena and Kalispell and the surrounding counties. Most conversations happen by phone or video, so where you live in the state does not limit what is available to you. For health and Medicare plans, however, your county genuinely does determine which plans exist, and we confirm that specifically before making a recommendation.
Do I need a medical exam to get life insurance in Montana?
Often not. Several carriers offer accelerated or simplified underwriting, where the decision comes from your application and database checks rather than a paramedical exam. Whether that route is open to you depends on your age, the coverage amount and your health history. We will tell you at the outset which applies to your situation.
Can Leif help with Medicare in Montana?
Yes. We can explain how Parts A, B, C and D work together and compare Medicare Supplement against Medicare Advantage for your specific 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.
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Protecting what matters most
starts with one conversation.
A free quote, a licensed Montana agent, and no pressure at any point.