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Individual Life Insurance in Kalispell MT & Columbia Falls MT

Reassurance for you and your Loved Ones.

Best Insurance provides life insurance to individuals in Kalispell, Columbia Falls, Whitefish, Bigfork, Lakeside, Libby, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Best Insurance, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

Best Insurance offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Best Insurance is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with Best Insurance will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Our Location

Best Insurance

337 1st Ave East
Kalispell, MT 59901
Main office: 406-551-6021

Our Providers

I received a quick quote and they found the BEST policy for my needs. The staff is great and very helpful and friendly. I will recommend to all my friends and family. Thank you very much Best Ins.
Tony D
When I first came to Best Insurance, I was greeted with a friendly smile and the staff were eager to help me. They simplified my all my insurance needs. They asked all the right questions and discovered ways to save me more money on my existing policies, and got me into a package that was affordable and met my needs. I will definitely continue to use them in the future and have already recommended them to my friends and family.
Chris
Since being with Best Insurance, our customer service hasbeen so greatly improved. The staff is extremely knowledgeable and helpful. Kevin is an agent that actually works for the customer. I thought those days were gone. Its really refreshing to find an agent that actually gives superior customer service.
Linda
Just opened the acct. today but have been well taken care of. Kevin is very friendly and professional.
Wayne
Kevin was and is great to work with I called for a quote and he got back to me quickly. He was a gentlemen and so glad to be working with him. Kindness and efficiency go along way in my book.
McKenzie
A friend had told me about Best Insurance and then I heard an advertisement on the radio and decided to call. The agent, Robert, was very informative and knowledgeable over the phone and happened to be available to meet with me. He spent a few hours going over different plans and policies with me which allowed me to better make a decision. I had found the process of choosing individual health insurance both stressful and overwhelming, however, Robert was extremely understanding and seemed to keep my best interests in mind. I feel very satisfied in my choice of insurance after all of Roberts time and efforts to advise me in my decision. Ive already directed my family to your companies way as well. I really appreciate Robert and Best Insurance for all the professionalism I received and plan to continue my business with these people. Thanks for everything.
Brittney