Plan Ahead—So Your Family Doesn’t Have To. Final Expense Life Insurance Made Simple.
Easy, Affordable Final Expense Life Insurance from 80+ Carriers—with Free Reshops and Real Savings for Your Family.
You’re here because you have someone in mind—someone you care deeply about.
Who will take care of your final affairs and the costs that come with them?
Schedule your free Final Expense Life Insurance Consultation today.
The Costs of Final Expenses
The reality is, these responsibilities often fall on the people we love the most. Are you sure they’re ready for that?
Planning for final expenses helps your loved ones focus on healing, not finances. Here’s what they could encounter:
Funeral Costs: $5,000–$15,000 on average (casket, embalming, service fees, burial, or cremation).
Medical Bills: Often $10,000 or more for uncovered end-of-life care.
Outstanding Debts: Credit card balances, car loans, or mortgages.
Family Travel: $2,000–$5,000 for relatives traveling to pay their respects.
Time Off Work: $3,000–$10,000 in lost income for grieving family members.
Your Property: $2000-$5000 to organize, remodel, and wait for items like a homes and vehicles to sell or deal with household items.
It’s often our closest family who are burdened with our final expenses when it’s our time to go.
What Will Your Family Face Without a Plan in Place?
That’s $20,000-$40,000 that your family will need access to right away.
Even “clean” estates can take 6 months or more to get through probate. Even if you had the money saved up for your family to handle these things the courts could lock it away.
This insurance guarantees your family won’t face these costs alone. Many families in Billings and surrounding areas turn to the best final expense life insurance to protect loved ones and preserve their legacy peacefully.
Final Expense Life Insurance Solves ALL these problems!
“My grandpa Bill believed in planning ahead.
When he passed, his Final Expense Life Insurance policy I got him covered everything — allowing our family to focus on remembering him, not worrying about the new funeral bills or expenses on the ranch.”
-Clay Murdock, Owner - Old Western Insurance
What is Final Expense Life Insurance?
Final Expense Life Insurance is designed to cover funeral costs and other end-of-life expenses—so your family doesn’t carry the financial burden.
Also known as burial insurance or funeral insurance in Montana, this coverage pays final bills quickly and eases financial stress during a difficult time.
Whether you’re planning ahead or reviewing your current policies, Final Expense Life Insurance helps in the following ways:
Fast payout (within 30 days) to cover funeral costs and reduce financial strain while your family is mourning.
Permanent coverage — keep your policy as long as you want
Level Price & Coverage — lock in rates that never increase and benefits that never decrease when you apply.
No waiting period — most plans begin full protection the same day you call.
Flexible use of funds — your beneficiaries can spend it however they need (unlike funeral-home policies).
Tax-free benefit — proceeds are protected from creditors and income taxes.
With access to 80+ top-rated carriers, we can shop plans to get you the best price per $1,000 of insurance based on your health rating.
Even wealthy families use life insurance for its protection, privacy, and tax advantages.
Planning ahead with final expense life insurance gives your loved ones peace of mind—covering funeral costs, unpaid medical bills, and other end-of-life expenses without burdening family members. Even better, you can lock in an affordable, permanent plan that doesn’t require a medical exam and pays out quickly to the people you care about.
For folks in Billings, MT, looking for a reliable option, the best final expense life insurance Billings MT offers locally tailored support and access to coverage that’s easy to qualify for. Whether you need burial insurance or full funeral insurance in Montana, this plan ensures that your final arrangements are handled without financial stress—and your legacy remains protected.
Did You Know?
Did you know Old Western Insurance has helped hundreds of families nationwide—across Montana, Florida, Pennsylvania, Georgia, Nevada, and Washington—find the best Final Expense Life Insurance policies available?
We work with 80+ trusted life insurance carriers so you can compare final expense, burial, and funeral insurance plans from top companies and lock in affordable, reliable coverage for any budget.
Protect your loved ones today with a Final Expense Life Insurance policy that keeps them focused on memories—not money—when the time comes.
Call 1-855-701-7113
Common Questions About Final Expense Coverage
How Much Does It Cost?
The good thing about this coverage is that once you have it, you’ve locked in the price and can keep it as long as you like.
The cost is based on age and health status of the individual and you can choose how much coverage you want based on your budget and needs.
We shop up to 80 top rated carriers to get you the best rates nationwide!
Do I Need to Get a Medical Exam?
No. Just talking with one of our licensed agents is enough to apply. You simply answer a few health questions, we shop them with you on the phone and help you narrow down your options.
In some cases, people prefer to go fully underwritten to get coverage over $40,000. But for most people, it isn’t necessary. No Needles. No Blood.
Is My Old Policy Any Good?
We find mistakes in people’s existing coverage ALL THE TIME. A lot of the policies we review won’t pay out because of underwriting or paperwork mistakes.
Other policies are term policies that expire after 15, 20, or 30 years and “Accidental Policies” only pay out for bodily injuries or car accidents.
The last thing we see is people’s policies will increase in cost to the point its too expensive to keep because their employer owns it or it’s set up weirdly.
If you want your family to actually get the money we will give you a second opinion for free!!
“If you think you can’t afford the premium for the insurance, wait until you have to pay full price for the problem.”
We do not charge for our one on one hand-tailored consultations.
Feel free to select a time that you are comfortable will work with your schedule. Due to demand, rescheduling missed appointments is not always available.
Dates in blue are currently available.
We can meet over the phone or in person if you are local.
For other dates or times please call or text: 855-701-7113.
Schedule Your Conversation
We Pay Attention to Every Detail & Do The Math:
We shop up to 80 different Life Insurance Carriers to get you the best rates.
9 times out of 10 we save seniors money on their existing policies!
We work with “A” rated name-brand companies you’ve heard of!
We are there for your family when your policy needs to pay out.
Lock in your rates and coverage level!
You Work with a Licensed & Experienced Agent Every Time.
