Funeral & Final Expense Insurance in Montana

First and foremost, for the state with a large population of grizzly bears funeral insurance in Montana is readily available.

Funeral insurance is also known as burial insurance or cremation insurance is whole life final expense life insurance. This type of life insurance product is just marketed under these names because of the main reason people use it. It provides a fast death benefit payout to your beneficiary when you die that they can use to pay for the funeral.

According to debt.org

73% of Americans are likely to die with debt.

Furthermore, part of that statistic is Americans that had to take out a loan to pay for their loved one’s funeral.

In this guide, we will discuss all the information you need to know to make an informed decision to purchase the right coverage.

Leading Cause of Death in Montana

According to cdc.gov

The leading cause of death in Montana in 2017 is Heart Disease.

Heart disease is very common in America and holds a high death rate in several states.

Other leading causes are:

  • Cancer
  • Chronic Lower Respiratory Disease
  • Accidents
  • Stroke
  • Suicide
  • Diabetes
  • Alzheimer’s Disease

How much Burial Insurance do I need for Funeral Insurance Montana?

Above all, deciding how much funeral insurance coverage you need in Montana depends on a few factors.

  • Are you trying to cover just the funeral?
  • What type of service do you want?
  • Is there any other end-of-life expenses you want to be covered?

According to funeralocity.com

The high price of a funeral is around $7,175.

Another thing to factor into this is inflation. In the next 10 years everything is expected to go up this means the price of a funeral in Montana can reach upwards of $9,000 in the coming years. There are also other end-of-life expenses to consider like unpaid bills, mortgage balances, credit card debts, unpaid liens against your property, etc.

With all of this taken into account, we recommend getting a policy with an additional $5,000 added on to your face amount to account for inflation and another $5,000 for any debts you may have. So if your burial is going to be $7,175 you should get a policy for $17,000 this will make sure everything is paid for.

Quick Tip: To see pricing on plans and speak with one of our agents fill out the form to your right.

Benefits of Funeral Insurance in Montana

We are going to list the benefits of funeral insurance in Montana in our table below.

BenefitDescription
Level PremiumsBurial insurance Premiums never increase for the life of the policy
Level Death BenefitBurial Insurance Death benefit never decreases for the life of the policy
Coverage Never ExpiresPolicy never expires as long as premiums are paid
Cash ValuePremiums paid into the policy build an additional savings to the policy’s face amount that can be borrowed against
Tax-Free Death BenefitThe Death Benefit to your beneficiary is 100% tax free
Peace of MindBurial, funeral and cremation expenses are all covered which gives you peace of mind
Quick PayoutBurial Insurance provides a quick payout usually between 24 – 48 hours of recieving a death certificate depending on policy and provider
No Medical ExamsNo medical exams required to qualify. You only answer health questions.
Financial SecurityBurial Insurance provides the money to pay your funeral costs so your family does not have the financial burden placed on them to pay burial expenses.
Easy UnderwritingBurial Insurance is easy to qualify for. Even seniors with moderate health conditions can get a low premium.
Instant DecisionBurial Insurance uses instant decision during the application process. This means when you apply you will receive a decision of approval or denial right after the application is submitted.

Eligibility Requirements of Funeral Insurance in Montana

The eligibility requirements for funeral insurance are going to be listed in our table below. This will give you a simplified list of everything needed to be eligible for funeral insurance.

Eligibility RequirementDescription
Age & Date of BirthYour current age determines your eligibility with different policies. If you are older than age 85 for example a majority of life insurance companies will not offer you burial insurance.
Height & WeightYou current heigh and weight affect your eligibility with some life insurance companies because high risk health conditions are directly linked to obesity.
Resident StateYour resident state determines which plans are available to you. Some life insurance companies may not have their policies available in your state.
Current & Past Health HistoryYour health determines your eligibility for burial insurance. If you hav extreme current or a past history of health conditions such as cancer you are considered high risk and many life insurance companies may not accept you.
US CitizenshipYou must be a US citizen or permanent resident to buy burial insurance in the United States. If you are a citizen of a different country you are not eligible.
Current MedicationsYour current medications indicate to the life insurance company how your health is. This is how they can categorize you as a high risk applicant or not.
Criminal HistoryA criminal history indicates if you are a high risk. If you have an extensive criminal record life insurance companies will not accept you.

Burial Insurance Quote Samples in Montana Available Companies

Below is a table of sample burial insurance quotes in Montana for final expense whole life insurance. We go through ages 19 – 91 so if you are looking for burial insurance for young adults or whole life final expense insurance for seniors at age 80 or whole life coverage for seniors age 70 or a whole life policy for seniors age 60 we have the information here for you.

Burial insurance in Montana is final expense life insurance which is whole life insurance with just lower coverage amounts between $2,000 – $40,000 depending on which company you qualify for. This life insurance provides a quick death benefit payout to your beneficiary typically within 24 – 48 hours so they can pay for your funeral quickly. This protects and gives them peace of mind knowing they can focus on grieving your loss and that the funeral is paid for my the burial insurance companies available in Montana.

Age$10,000 Male Non Smoker Sample Quotes$10,000 Male Smoker Sample Quotes$10,000 Female Non Smoker Sample Quotes$10,000 Female Smoker Sample QuotesFinal Expense Companies Available per Age
19$12.87$16.59$12.03$13.74Liberty Bankers Life, Sentinel Security Life
20$13.19$17.02$12.13$15.40Liberty Bankers Life, Sentinel Security Life
21$13.50$17.46$12.74$17.02Liberty Bankers Life, Sentinel Security Life
22$14.17$18.18$13.06$17.05Liberty Bankers Life, Sentinel Security Life
23$14.54$18.51$13.77$17.08Liberty Bankers Life, Sentinel Security Life
24$15.43$19.19$15.16$17.10Liberty Bankers Life, Sentinel Security Life
25$15.95$20.00$15.28$17.39Liberty Bankers Life, Sentinel Security Life
26$16.28$20.83$15.40$17.69Liberty Bankers Life, Sentinel Security Life
27$16.61$21.75$15.51$17.95Liberty Bankers Life, Sentinel Security Life
28$16.92$22.15$15.61$18.22Liberty Bankers Life, Sentinel Security Life
29$17.25$22.54$15.73$18.48Liberty Bankers Life, Sentinel Security Life
30$17.57$23.07$16.09$19.06Liberty Bankers Life, Sentinel Security Life
31$17.97$23.60$16.45$19.66Liberty Bankers Life, Sentinel Security Life
32$19.84$24.25$16.79$20.21Liberty Bankers Life, Sentinel Security Life
33$20.34$25.00$17.12$20.75Liberty Bankers Life, Sentinel Security Life
34$20.93$25.83$17.45$21.28Liberty Bankers Life, Sentinel Security Life
35$21.53$26.59$17.99$21.89Liberty Bankers Life, Sentinel Security Life
36$22.14$27.37$18.54$22.50Liberty Bankers Life, Sentinel Security Life
37$22.84$28.18$19.06$23.08Liberty Bankers Life, Sentinel Security Life
38$23.54$29.08$19.55$23.62Liberty Bankers Life, Sentinel Security Life
39$24.34$29.87$20.05$24.18Liberty Bankers Life, Sentinel Security Life
40$23.13$30.66$20.70$24.98Liberty Bankers Life, Sentinel Security Life, Aetna Accendo, Guarantee Trust Life, Great Western
41$23.62$31.43$19.75$25.80Liberty Bankers Life, Sentinel Security Life, Aetna Accendo, Guarantee Trust Life, Great Western
42$24.11$32.21$19.93$26.57Liberty Bankers Life, Sentinel Security Life, Aetna Accendo, Guarantee Trust Life, Great Western
43$24.64$32.93$20.10$27.30Liberty Bankers Life, Sentinel Security Life, Aetna Accendo, Guarantee Trust Life, Great Western
44$25.18$33.41$20.38$28.03Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Guarantee Trust Life, Aetna Accendo, Great Western
45$25.79$34.00$20.88$28.80Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Guarantee Trust Life, Aetna Accendo, Great Western
46$26.43$34.57$21.43$29.55Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Guarantee Trust Life, Aetna Accendo, Great Western
47$27.10$35.17$22.01$28.06Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Guarantee Trust Life, Aetna Accendo, Great Western
48$27.71$35.58$22.33$28.56Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Aetna Accendo, Guarantee Trust Life, Great Western
49$27.35$38.27$21.78$29.22Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Aetna Accendo, Guarantee Trust Life, Great Western, AIG, American Amicable, Gerber, Prosperity Life,
50$28.29$39.47$23.56$30.14Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Aetna Accendo, Guarantee Trust Life, Great Western, AIG, American Amicable, Gerber, Prosperity Life
51$29.26$40.77$24.48$31.06Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Aetna Accendo, Guarantee Trust Life, Great Western, AIG, American Amicable, Gerber, Prosperity Life
52$30.31$42.22$25.09$32.72Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Aetna Accendo, Guarantee Trust Life, Great Western, AIG, American Amicable, Gerber, Prosperity Life
53$31.47$43.83$25.62$34.54Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Aetna Accendo, Guarantee Trust Life, Great Western, AIG, American Amicable, Gerber, Prosperity Life
54$32.77$45.44$26.26$38.99Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Aetna Accendo, Guarantee Trust Life, Great Western, AIG, American Amicable, Gerber, Prosperity Life
55$34.25$48.12$27.11$40.85Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Aetna Accendo, Guarantee Trust Life, Great Western, AIG, American Amicable, Gerber, Prosperity Life
56$35.88$52.06$28.20$42.71Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Aetna Accendo, Guarantee Trust Life, Great Western, AIG, American Amicable, Gerber, Prosperity Life
57$37.69$54.25$29.51$42.30Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Aetna Accendo, Guarantee Trust Life, Great Western, AIG, American Amicable, Gerber, Prosperity Life
58$39.64$56.72$31.70$43.61Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Aetna Accendo, Guarantee Trust Life, Great Western, AIG, American Amicable, Gerber, Prosperity Life
59$40.10$55.60$31.00$44.50Liberty Bankers Life, Sentinel Security Life, Mutual of Omaha, Aetna Accendo, Guarantee Trust Life, Great Western, AIG, American Amicable, Gerber, Prosperity Life
60$41.84$56.72$31.70$43.61Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
61$43.76$59.64$32.87$45.19Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
62$46.41$63.28$34.51$47.48Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
63$49.07$67.72$36.06$49.78Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
64$51.22$69.53$37.72$52.07Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
65$53.58$72.72$39.36$54.36Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
66$56.48$76.06$41.01$56.66Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
67$59.85$80.53$43.44$60.22Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
68$63.18$84.67$45.86$63.60Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
69$66.84$89.65$48.29$66.09Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
70$70.79$94.64$50.81$70.45Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
71$73.15$98.31$53.24$72.18Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
72$78.81$103.97$56.20$75.86Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
73$83.99$109.94$58.46$79.74Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
74$89.46$116.69$63.55$84.14Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
75$94.87$123.65$67.78$88.66Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
76$99.97$132.48$72.41$94.42Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
77$107.04$141.32$78.25$101.63Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
78$114.13$150.57$83.51$108.24Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
79$122.13$161.81$88.44$115.15Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
80$129.52$171.23$93.41$125.01Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
81$139.73$181.75$98.43$135.14Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company
82$149.95$192.98$106.21$147.04Mutual of Omaha, Aetna, American Amicable, Sentinel Security Life,Guarantee Trust Life,
83$160.16$204.65$113.96$160.56Mutual of Omaha, Aetna, American Amicable, Sentinel Security Life,Guarantee Trust Life,
84$171.02$219.19$121.31$170.76Mutual of Omaha, Aetna, American Amicable, Sentinel Security Life,Guarantee Trust Life,
85$181.88$237.28$128.55$179.58Mutual of Omaha, Aetna, American Amicable, Sentinel Security Life,Guarantee Trust Life
86$192.74$257.57$135.90$192.35Mutual of Omaha, Aetna, American Amicable, Sentinel Security Life,Guarantee Trust Life
87$236.25$337.32$171.33$237.32Aetna Accendo, Guarantee Trust Life
88$276.68$353.99$205.98$253.99Aetna Accendo, Guarantee Trust Life
89$317.10$370.65$240.63$278.99Aetna Accendo, Guarantee Trust Life
91$387.32$387.32$337.32$337.32Guarantee Trust Life
90$357.53$378.98$275.28$303.99Aetna Accendo, Guarantee Trust Life

How to Enroll in Funeral Insurance Montana?

Getting started is very simple.

First, fill out the form to your right with some basic information. At that point, you will see different plans and pricing available in your state. You will receive a call from one of our licensed agents at that point who will confirm your information and begin the field underwriting process.

Once they finish asking you their initial health questions they confirm your rate class and begin the enrollment process.

There are 2 ways to enroll:

  1. Voice Signature – This is where you and the agent perform a voice signature with the carrier to sign for your application. There are additional signatures if you are also applying for accidental death coverage riders.
  2. E-mail Signature – The agent will send you an email with a DocuSign to sign for your application. You simply follow the prompts on the screen.

Once the signatures are complete an instant decision is reached.

the process takes 30 minutes or less.

ParamountQuote Mission

Here at ParamountQuote, our mission is to help consumers find the best funeral insurance in Montana.

We are a national independent broker specializing in burial insurance.