Which Companies Offer Burial Expense Insurance In Montana?
Burial policies in the USA vary by state. Below is a list of all the various final expense companies that offer plans in Montana.
How Much Does Final Expense Life Insurance Cost In Montana?
The cost of a burial policy depends on various factors, such as your precise age, gender, state of residence, the amount of coverage you choose, and your health.
| Age | $5,000 | $10,000 | $25,000 |
|---|---|---|---|
| 40 | $14 | $25 | $57 |
| 45 | $15 | $27 | $63 |
| 50 | $17 | $31 | $71 |
| 55 | $20 | $36 | $84 |
| 60 | $23 | $43 | $103 |
| 65 | $29 | $54 | $130 |
| 70 | $37 | $70 | $169 |
| 75 | $50 | $97 | $238 |
| 80 | $69 | $135 | $332 |
| 85 | $95 | $178 | $440 |
| 86 | $120 | $236 | $585 |
| 87 | $140 | $277 | $686 |
| 88 | $160 | $317 | $788 |
| 89 | $181 | $357 | $888 |
| 90 | $177 | $354 | N/A |
| Source for monthly prices: Choice Mutual quote calculator. Rates are calculated at a non-tobacco rating, rounded to the nearest dollar, and are valid as of 08/12/2025. Additionally, in Montana, there is a law that requires life insurance rates to be the same regardless of sex, so the prices shown apply to both males and females. | |||
How Do Burial Insurance Plans Work?
Burial insurance, also commonly known as final expense insurance or funeral insurance, is a type of small whole life policy primarily meant to cover your final expenses.
Because it’s a form of life insurance, when you die, the insurer will pay a tax-free cash benefit directly to your beneficiaries. One major unique feature of burial policies is the fast payout. Typically, the claim money is paid out within 24 to 48 hours once approved. Also, if the money is paid to your loved ones, they get to keep any funds not used on funeral expenses.
With whole life insurance, premiums will not increase, and the policy will last for your entire life.
Most companies offer plans starting at the $2,000-$5,000 range and top out at $25,000-$50,000. To qualify, you won’t have to take a medical exam, and most applications are approved either instantly or within a couple of days.
How Much Does A Funeral Cost In Montana?
| Service Type | Average Cost |
|---|---|
| Burial Service | $7,390 |
| Direct Burial (No Service) | $5,092 |
| Cremation Service | $5,505 |
| Direct Cremation (No Service) | $2,476 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
|
A funeral costs calculator can be especially helpful in accurately estimating the cost of your preferred funeral.
The Free Look Period In Montana And The FTC Funeral Rule
Montana law requires all life insurance policies to provide a 15-day free look period during which time the policyholder can cancel and receive a full refund.
Regarding planning a funeral, the FTC Funeral Rule is especially helpful. IN short, it requires the following of funeral homes:
- When requested, provide transparent prices in writing or verbally (if requested via phone).
- Allow consumers to buy products from outside sources.
- Allow consumers to pick and choose whatever services or products they want.
- Nationally licensed life insurance agent with over 15 years of experience
- Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.
Anthony Martin is a nationally licensed insurance expert with over 15 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.
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in Montana. https://www.washingtonpost.com/archive/politics/1985/10/01/montana-implements-policy-of-unisex-insurance/c8897a22-a667-4d6e-acb2-b695702e1b31/
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NFDA General Price List Study. https://nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral
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Funeralocity. https://www.funeralocity.com/average-funeral-price
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15-day free look period. https://archive.legmt.gov/bills/mca/title_0330/chapter_0200/part_0090/section_0050/0330-0200-0090-0050.html
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FTC Funeral Rule. https://consumer.ftc.gov/articles/ftc-funeral-rule
- Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 09/15/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (09/16/2024-09/16/2025).
- Data sourced from 2023 NFDA General Price List Study.
