Products and Services

Life

Life insurance is a great way to provide for loved ones in the event of an untimely death. It can be one of the wisest decisions a person can make to financially protect those who financially depend on them.

If you are unsure of how much life insurance is right for you, use the Life Insurance Needs calculator to get a recommendation from an independent source.

Short-Term Disability

Short-Term Disability (STD) plans pay benefits when sickness or injury prevents you from working full time.

Long-Term Disability

Long-Term Disability insurance allows you to protect yourself and your family by providing a convenient, economical way of securing an income while out of work from an unexpected accidental injury or illness.

Disability/Medical Integration

The Disability/Medical Integration product streamlines the disability claim process to arrive at a decision faster through medical information sharing and cooperation between clinical health advocates and the disability team. Available for groups with Medical/Health Advocacy and Disability coverage through Blue Cross and Blue Shield of Montana.

Accidental Death & Dismemberment

Accidental Death and Dismemberment (AD&D) coverage pays additional benefits if a death or injuries occur as the result of an accident.

Critical Illness

Critical Illness insurance pays cash directly to the insured individual for the unplanned expenses of a critical illness.

Accident

Accident insurance provides cash directly to the insured individual for the unexpected costs of an accidental injury

Hospital Indemnity

Hospital Indemnity Insurance provides cash directly to the insured individual for the unforeseen costs of a hospitalization.

Enhanced Solutions: Education

Enhanced Solutions: Education – We have designed benefits specifically for education professionals.

Enhanced Solutions: Municipalities

Enhanced Solutions: Municipalities – Features that have been designed specifically for municipalities and their employees.

Vision

Stand-alone vision that provides coverage for comprehensive vision exams and corrective eyesight material. It works alongside your medical coverage to help you take care of your overall health.