Protection That Grows With You

Planning for the future starts with securing the people who matter most. Life insurance is one of the most important financial tools you can use to protect your loved ones and honor the commitments you've made—no matter what the future holds.  We often say that “if you love someone or owe someone, you need life insurance”.  How true that really is!

At Summit Insurance, we help individuals and families across Montana find life insurance solutions that evolve with their needs and provide long-term peace of mind.

Life Changes—So Should Your Life Insurance

Your insurance coverage should grow and shift with your life. Whether you're newly married or nearing retirement, it’s essential that your life insurance reflects your current responsibilities and financial goals. Here are just a few life events that may require an update to your policy:

• Marriage, divorce, or a new domestic partnership
• The birth or adoption of a child or grandchild
• Starting or expanding a business
• Taking on the role of caregiver for a loved one
• Health changes for you or your spouse
• Purchasing or refinancing a home
• Saving for a child’s education
• Receiving an inheritance or building a larger estate
• Planning for retirement income or long-term care

Let Summit Insurance help you reassess your coverage when these life milestones occur.

Types of Life Insurance

The right policy will depend on your goals, budget, and how long you need coverage. Our team will walk you through all your options, including:

Term Life Insurance

Affordable and straightforward, term life insurance provides coverage for a fixed number of years—typically 10, 20, or 30. It’s a good fit for families who need high coverage at a lower cost, especially during key earning or debt-paying years. Many term policies are convertible to permanent coverage, offering long-term flexibility.

Whole Life Insurance

Whole life coverage is designed to last a lifetime, with consistent premiums and guaranteed benefits. It also builds cash value over time, making it both a protection plan and a financial asset you can borrow against.

Universal Life Insurance

For those who want permanent protection and more flexibility, universal life allows you to adjust your premiums and death benefits. It also builds cash value, which grows at a rate set by the insurer—often with a minimum interest guarantee.

Not sure which type is right for you? Let’s talk about your goals and create a policy that fits your life now and later.

Why Life Insurance Matters

Life insurance isn't just for after you're gone—it can benefit you and your family in the here and now.

Death Benefit Protection

Your policy provides tax-free income to your beneficiaries, which can be used for:

• Funeral and final expenses
• Paying off debts or a mortgage
• Covering tuition and living costs
• Estate taxes or business succession planning

Living Benefits

With permanent life insurance, you can access the policy’s cash value to help with large expenses—such as college tuition, medical bills, or a down payment on a home. This value grows tax-deferred and can be withdrawn or borrowed if needed.

Start Planning Today

Your life insurance should reflect your values, your future goals, and the people you care about most. At Summit Insurance, we understand that no two lives—or life insurance needs—are the same.

Let us help you create a policy that offers financial security for your loved ones—and lasting peace of mind for you.

Talk with our team today about customized life insurance solutions designed for Montanans just like you.

Get a Free Life Insurance Quote