You don’t want your loved one racking up huge amounts of high-interest credit card debt to pay for the costs. You don’t want them fighting among each other over who pays what. And you wouldn’t want them to resent you for putting them in this position.
This article will share some state-specific information regarding health in Montana and explain how to get first-rate, affordable burial insurance. You’ll learn how you can get a free quote for final expense insurance in Montana and get you into a policy on day one with no two years waiting period (in most cases).
Montana Health Statistics
Please continue on to learn some meaningful state specific health related statistics involving Montana. We will also go over getting the very best burial insurance coverage in Montana and explain how funeral insurance can help protect you and your family.
Life Expectancy in Montana
The average life expectancy in Montana was 78.8 years (in 2018). Overall, Montana ranked #28 in average life expectancy across all U.S. states. That was an increase of 0.3 from 2010 when the average life expectancy was 78.5 years old.
Montana is just barely in the bottom ½ of U.S. states in terms of life expectancy. These statistics run very close, so don’t be alarmed. Some people think that this could have an impact on their policy rates and coverage, but it doesn’t.
With the exception of the unisex laws in place in Montana (same rates for men & women), you are treated exactly as all individuals who deserve the same excellent service we provide to the rest of the country.
Leading Causes of Death in Montana
|Rank||Cause of Death||Total Deaths|
|3||Chronic Lower Respiratory Disease||752|
|9||Chronic Liver Disease/Cirrhosis||195|
(Note: these statistics are taken from the CDC website, and the data is for the year 2017. Keep in mind that these numbers vary from state to state due to population and state rank across the U.S.)
How to Plan a Green Burial in Montana
Montana is known for the green funerals that involve body preparation and disposition in environmentally friendly ways. If you are worried about the costs, don’t be. Funeral insurance or final expense insurance policies can cover these costs for you. Convey your wishes to an independent agent like us and let us find the policy that helps accomplish your desires.
Montana burial laws have no specific embalming guidelines, so you can use non-toxic chemicals or opt for an open casket funeral. But, it has to take place sooner to avoid the body’s decomposition. The burial insurance companies can also help reach out to the funeral directors who understand Montana’s green burial laws.
You need biodegradable materials, preferably wood, for the green burial. Though the overall costs may be slightly lower than traditional funerals, you shouldn’t look for smaller coverage when buying final expense insurance in Montana. The state has specific laws for choosing the final resting place of degradable remains. Hence, the extra payout will cover this expense.
Why Do You Need Burial Insurance in Montana?
Burial Insurance is a significant financial asset that allows you to liberate your family from the financial burdens of burial or cremation services when you pass. Funeral insurance is simply a small whole life insurance policy. Most people will choose anywhere from $5,000 to $25,000 in coverage.
Let’s be frank, burial and cremation costs are out of control in this country. Will your family have, let’s just say, $7,000 to $12,000 available when that time comes? Who knows? Your children might be paying your grandchildren’s college tuition.
Your spouse could be an ill themselves or just struggling to make ends meet on a fixed income. Nobody can predict the family situation at the time they die because, in most cases, we can’t predict our death.
What Are Your Options for Montana Burial Insurance?
If you want to buy final expense insurance in Montana, here are your options:
- Immediate or Level Death Benefit: In this policy, you will get immediate coverage without high premiums if you are healthy.
- Guaranteed Acceptance: These policies offer burial insurance for all, irrespective of their health conditions. However, premiums are high, and you have to wait for 24 months to avail of the policy benefits.
- Graded Benefits: It’s a clause in guaranteed issue policies to offer graded benefits to people with minor health issues.
Features of Burial Insurance in Montana
- It is whole life and permanent coverage.
- The premiums will never change throughout the policy.
- You will get accumulated cash value, and it is tax-deferred.
- No medical exam and coverage range from $2500-$50,000.
- Perfect for those aged 50-85.
Can You Buy Final Expense Insurance with Medical Issues?
Even if you have serious health problems like cancer, a chronic disease, or terminal illness, you can qualify for guaranteed issue insurance. For minor problems like high cholesterol, you can apply for standard policies with immediate coverage.
How to Get Started with Montana Final Expense Insurance
To find the best choice in final expense insurance in Montana, it is so imperative that you work with an independent agency representing a variety of funeral insurance companies. We hope you don’t, but if you go with one of the big-name advertisers like Colonial Penn, State Farm, Gerber Life Insurance, or John Hancock, you are bound to one funeral insurance product. In contrast, we are able to give you multiple affordable, excellent funeral insurance options. We hope that you do your shopping, so you aren’t throwing your money away.
Our goal is to serve YOU, never to sell you. Our objective is to help you see the entirety of your choices and never drive you into a plan that doesn’t suit you. Our way of thinking is, consistently has been, and will remain, the client first.
At Insurance for Final Expense, we work with multiple carriers affording the very best funeral insurance plans and options… We can do this for our clients because we’re an independent burial insurance agency. We trust that you should be the driver’s seat when choosing what’s best for you and your loved ones. Getting burial insurance is a very personal decision.
We only work with only the very best insurers, like Mutual of Omaha Funeral Insurance, Royal Neighbors Funeral Insurance, AIG, Great Western Insurance Company, Liberty Bankers Life, Sentinel Security Life and Prosperity Life Group along with others.
If you need help with a guaranteed issue or final expense insurance in Montana, it would be our honor to assist you. Please call us at 1-800-400-8319. If you would rather that we call you, just fill out the quote form on this page, and a licensed agent will be in touch with you promptly.