Not every family needs the same thing. That is the whole point. While most insurance companies hand you a menu of nearly identical options and let you figure it out, Big Sky was built around a different belief: that the right product depends on who you are, where you are, and what your family actually needs.
Here is an honest look at every product we offer, what makes each one different, and how to know which one might be right for you.
Family Protector
Family Protector is the simplest product we offer, and in the best possible way. For as little as $30 a month, you get accidental death coverage for your entire family. Not just you. Everyone under your roof, including newborns after 14 days and adopted children. Either spouse can be the primary. You can change your plan anytime. There are no physical exams and your premiums will never increase.
It is designed for the family that wants real protection without the complexity. No health history required, no lengthy application process, no waiting to find out if you qualify. If you have a family, you qualify.
Family Protector is currently available in Alabama, Arizona, Kansas, Kentucky, Mississippi, Missouri, Montana, Nebraska, Nevada, Ohio, Oklahoma, South Dakota, Texas and Wyoming.
ScholarGuard
ScholarGuard is the product that does not exist anywhere else. It was built specifically to protect young people between the ages of 5 and 25, covering both scholarship protection and mental health support before something goes wrong. Most insurance products respond to tragedy. ScholarGuard was designed to prevent it.
If you have a child athlete, a student with a scholarship, or a young person whose future you are investing in right now, this is the product built for them. It is offered through our partnership with Specialty Insurance Marketing LLC and is unlike anything else in the marketplace.
ScholarGuard is currently available in Alabama, Kentucky, Mississippi, Missouri, Montana, Nebraska, Nevada, North Dakota, South Dakota, Texas and Wyoming.
Eagle Classic
Eagle Classic is Big Sky’s flagship whole life product and the one that started it all. It is a 20-pay whole life policy, meaning you pay premiums for 20 years and the coverage stays with you for life. It builds cash value on a tax-advantaged basis, pays increasing annual dividends, and comes with living benefits you can access while you are still alive. Not just a payout for your family after you are gone. Real value you can use for college, retirement, or life’s unexpected turns.
Eagle Classic is currently available exclusively in Montana, sold directly by Big Sky.
Classic Jr.
Classic Jr. is Eagle Classic compressed into a 10-year premium period. The same cash accumulation features, the same living benefits, the same increasing dividends. If you want the full benefits of Eagle Classic but prefer to finish your premium payments sooner, Classic Jr. is the answer.
Classic Jr. is currently available exclusively in Montana, sold directly by Big Sky.
What About Other States?
Through our partnership with Divergent, Big Sky is able to connect families in states beyond our direct product footprint with traditional life insurance products. So even if you are not in a state where Eagle Classic or ScholarGuard is currently available, there is likely still a path to coverage. An agent can walk you through what is available in your state and find the right fit for your family.
How to Choose
If you are a Montana family, you have access to everything we offer and we recommend starting with Eagle Classic or talking to an agent who can walk you through the full picture.
If you are outside Montana and have children or young athletes, ScholarGuard is worth a serious look if you are in an approved state.
If you want whole family coverage that is simple, affordable, and requires nothing more than a conversation, Family Protector is where to start.
If you are still not sure, take our product assessment. It asks a few simple questions and points you toward the product most likely to fit your family. Or reach out to an agent directly. That is what they are there for.
The right product is the one that works for your family while you are still alive to see it working. That is the whole point.