Whole life, accidental, scholarship protection & more.
Accidental-death insurance—not traditional life insurance—for individuals, couples, and families, with four coverage options at one monthly price.
Monthly premium*
$30/mo
Accident-disability protection for young people ages 6–21, paired with A-GAME Ready® mental-performance coaching.
Starting at*
$39/mo
Classic Jr. offers the same cash-accumulation features as Eagle Classic, with annual dividends, structured around a 10-year premium paying period. It was created to help families build long-term value on an accelerated payment schedule.
Starting at*
$45/mo
Eagle Classic was the first product offered by Big Sky Life—a 20-pay ordinary (whole) life insurance policy designed to provide lifelong protection while building tax-free cash value. Premiums are paid over a 20-year period, after which the policy is fully paid up. The policy is eligible for increasing annual dividends and includes living benefits that let the insured access value during their lifetime.
Starting at*
$66/mo
Reach out to us and we will connect you to an agent who can help you find more products that suit your direct needs through our partnerships.
Access your policy's value during your lifetime — for college, retirement, or life's unexpected turns.
Permanent coverage that steadily builds cash value on a tax-advantaged basis.
Eligible policies share in annual policy dividends that can grow over time.
Licensed under a Certificate of Authority from the State of Montana, with a home office in Helena.
84%
Match for ScholarGuard
Find out which of our products best suits your family with our guided quiz.
*Quiz results are general recommendations and may not account for every circumstance. Confirm the details with an agent before applying.
Life insurance provides a financial benefit to your chosen beneficiaries if you pass away while your policy is in force. Depending on the type of policy, coverage may last for a specific period or for your lifetime.
The right amount depends on your income, debts, family obligations, future expenses, and financial goals. Many people consider expenses such as a mortgage, education costs, outstanding debt, and income replacement.
Unique products including children’s disability, accidental death for the entire family, 20-pay whole life for adults/children, and 10-pay whole life for children. Common products include term life, whole life, universal life, and other permanent life insurance products. Each offers different features, coverage periods, costs, and potential benefits.
Premiums vary based on factors such as age, health, coverage amount, policy type, tobacco use, and other underwriting considerations. Applying for coverage can provide a personalized rate.
Not always. Some policies may be available without a traditional medical exam. Eligibility and coverage amounts can depend on the product and answers to health and eligibility questions.
You can generally name one or more individuals, trusts, or eligible organizations as beneficiaries. You may also designate primary and contingent beneficiaries and, subject to policy terms, update them later.
After the insured's death, the beneficiary submits a claim and required documentation. Once the claim is approved, the insurance company pays the policy benefit according to the policy's terms.
The process typically begins with selecting a coverage amount and completing an application. Depending on the product, you may answer health questions, complete underwriting requirements, and then review and accept your coverage.
Tell us which product you are interested in and how to reach you. An agent will follow up — usually within one business day.
An agent will be in touch shortly at the email address you gave us.
