The top-rated life insurance agent in Kalispell, Montana is Sandra Goode-Long - State Farm Insurance Agent, rated 4.9 stars across 571 reviews. Other highly rated options include Flathead Insurance- Kalispell Montana Insurance, TJ Wendt - State Farm Insurance Agent, Grachek Insurance. This directory lists 20 life insurance agents serving Kalispell.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sandra Goode-Long - State Farm Insurance Agent | 475 N Main St | (406) 257-7714 |
| 2 | Flathead Insurance- Kalispell Montana Insurance | 2330 U.S. Hwy 2 E | (406) 752-8000 |
| 3 | TJ Wendt - State Farm Insurance Agent | 2129 US-2 | (406) 752-9300 |
| 4 | Grachek Insurance | 1147 S Main St | (406) 755-4000 |
| 5 | Tamarack Insurance | 185 Commons Loop Suite C | (406) 270-2463 |
| 6 | Bailey Insurance Services | 4 Meridian Ct | (406) 752-7676 |
| 7 | AAA Kalispell Branch | 135 Hutton Ranch Rd #106 | (406) 758-6980 |
| 8 | Farmers Insurance - Shaine Reece | 575 Sunset Blvd Suite 102 | (406) 752-9100 |
| 9 | Montana First Insurance, Inc. | 1088 N Meridian Rd | (406) 755-0719 |
| 10 | Paradox Insurance Agency | 1205 S Main St | (406) 451-0180 |
Sandra Goode-Long - State Farm Insurance Agent serves Kalispell, MT, as a life insurance agent. The company provides essential financial protection through life insurance products. Clients can explore policies designed to support beneficiaries after a loss. Term life insurance offers coverage for a specified period, while whole life policies build cash value over time. In this area, the agency assists with both term life policies and whole life policies.
Flathead Insurance- Kalispell Montana Insurance provides a range of life insurance agent services in the Kalispell area, including policy selection guidance and claims assistance. Ongoing service plans involve annual policy reviews to help adjust coverage as client circumstances change. On-call support addresses beneficiary updates and policyholder questions throughout the year. The company typically services individual single-family homes, apartments, retail shops, and locally owned restaurants in the surrounding Flathead Valley region.
TJ Wendt - State Farm Insurance Agent helps homeowners, renters, and business owners in Kalispell, Montana, find life insurance coverage that protects their families and financial futures. The agent works with clients to understand their long-term needs and offers policies that provide income replacement and final expense benefits. This local office serves customers throughout the Flathead Valley, including the neighboring community of Columbia Falls.
At Grachek Insurance in Kalispell, MT, clients distinguish between one-time policy purchases and ongoing life coverage that adapts as needs change. The agency assists individuals in selecting term or permanent plans, helping beneficiaries secure financial stability after a loss. As life insurance agents in this region, they address local considerations such as estate planning and dependent support. Their service model operates on an as-needed basis, meaning policy reviews and adjustments are arranged when the client requests them rather than following a predetermined schedule.
Tamarack Insurance specializes in life insurance agent services for individuals and families in Kalispell, MT. It helps clients select appropriate coverage for protection and financial planning. The company works with local residents to assess policy options that fit different budgets and life stages. This includes guidance on term and whole life products. Tamarack Insurance also assists with updating policies after major life changes, such as the arrival of a new child or the approach of retirement season.
As winter approaches in Kalispell, many residents reassess how their families would manage financially after a loss. Bailey Insurance Services helps local households evaluate life insurance options suited to their long-term needs. The company works closely with clients to determine appropriate coverage amounts that protect spouses, children, and future obligations. Typical discussions address income replacement, mortgage protection, and final expenses. This careful process begins with a no-obligation initial consultation to review each client’s existing coverage and personal circumstances.
As the AAA Kalispell Branch, it serves Kalispell, Montana, and the surrounding Flathead Valley communities. The agency handles life insurance policies designed to provide financial security for families and individuals. It assists clients in navigating policy options that fit distinct coverage needs and budget considerations. The company’s general approach to a typical job involves a thorough initial consultation, evaluating the client’s long-term goals, and then presenting tailored life insurance solutions that align with those objectives.
Farmers Insurance - Shaine Reece helps individuals and families in Kalispell, MT, plan for financial protection through life insurance policies, including term and whole life options. The agency focuses on tailoring coverage to meet long-term needs. Local clients can receive guidance on providing income replacement and debt protection for beneficiaries. The office serves commercial clients as well, offering respective policies designed for offices, warehouses, and food service operations to help safeguard their businesses from unforeseen losses.
Serving residential customers throughout the Kalispell area, Montana First Insurance, Inc. also provides commercial coverage for local businesses seeking life insurance and related protection. As a dedicated life insurance agent, the company assists clients in understanding available policy options tailored to personal and professional needs. They work to ensure each client understands how coverage can support long-term financial planning. Between regular visits, Montana First Insurance, Inc. encourages clients to schedule follow-up consultations whenever personal circumstances change or new coverage questions arise.
Paradox Insurance Agency in Kalispell, MT, is known for helping clients plan financial protection through life insurance coverage. It serves individuals and families seeking to secure their beneficiaries’ financial future amid life’s uncertainties. Policies are tailored to address specific needs such as income replacement for dependents or final expense arrangements. The agency guides customers through the complexities of selecting appropriate policy terms and benefit amounts. It can also add on a service for reviewing or updating an existing life insurance policy to ensure it still fits changing circumstances.
What Does a a Life Insurance Agent in Kalispell Cost?
A typical term life insurance policy for a healthy 35-year-old in Montana costs between $25 and $50 per month for $500,000 in coverage. Whole life insurance premiums are higher often starting at $100 to $300 per month for the same face amount. Costs depend on age health and policy type. This is general information not insurance advice.
About life insurance agents in Kalispell
Life insurance agents in Kalispell Montana help residents find coverage that fits their needs and budget. Montana law requires agents to be licensed through the Montana Commissioner of Securities and Insurance. Local agents understand the unique needs of Flathead Valley families and businesses.
Frequently Asked Questions
What license does a life insurance agent need in Montana?
A life insurance agent in Montana must hold a valid resident or non-resident license from the Montana Commissioner of Securities and Insurance. The agent must complete pre-licensing education and pass a state exam. Continuing education is required every two years to keep the license active.
How long do I have to file a life insurance claim in Montana?
Montana does not have a specific statute of limitations for filing a life insurance claim, but most policies require prompt notification. The Montana Insurance Code gives insurers up to 30 days to review a claim after receiving proof of death. If the claim is denied you have up to one year to file a lawsuit under Montana Code Annotated 27-2-206.
Can a life insurance agent in Kalispell help with estate planning?
Yes many life insurance agents in Kalispell work with estate planning attorneys to structure policies for Montana residents. Life insurance proceeds can help pay estate taxes or provide liquidity for heirs. Montana has no state estate tax but federal estate tax rules may still apply for large estates.