Life insurance built for real families.
Big Sky Direct is Montana's 1st life insurance domicile in over 50 years, bringing the heart of Montana nationwide with products for every family.
- Built on Montana values
- Works while you're living
- For the family at your kitchen table
- Born in Montana, built for everyone.
- Protecting what you can't control
- Built on Montana values
- Works while you're living
- For the family at your kitchen table
- Born in Montana, built for everyone.
- Protecting what you can't control
"We started Big Sky because Montana deserved its own. Real products, real people, built for families who show up every day. We make coverage that works while you're still alive to enjoy it. That's not a policy, that's a promise."
Big Sky Direct
Spreading the heart of Montana to the nation, with unique products that suit the needs of real families everywhere.
- Licensed in 14 states.
- Certificate of Authority, State of Montana
- First Montana Domicile in Over 50 Years
- Thousands
- of Families Protected.
- 4
- Core Products
- 1st
- Domicile in Over 50 Years
- 14
- States Served & Growing
Choose the Big Sky product
built for you.
- Up to $300,000 for the primary insured
- Options for individuals, couples, and families
- No medical exam or blood work
- Starts at $39/month
- $200,000 total benefit for qualifying scholarship loss
- A-GAME Ready® included with every policy
- 20-year premium paying period, then fully paid up
- Tax-free cash value accumulation
- Eligible for increasing annual policy dividends
- Living benefits available to the insured
- Whole life coverage with cash accumulation
- 10-year premium paying period
- Eligible for annual policy dividends
- Designed for an accelerated payoff
Heard from families at the kitchen table.
Testimonials from those insured by Big Sky Direct.
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"ScholarGuard gives me confidence to focus on my goals and keep working toward college."
Fisher B.
ScholarGuard Recipient
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"Big Sky made protecting our family feel straightforward. We had answers when we needed them."
The O'Donoghues
ScholarGuard Recipient
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"The process was clear, personal, and easy to understand from the first conversation."
Andrew A. Catte
ScholarGuard Recipient
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"I wanted coverage that fit our family and our budget. Big Sky helped make that possible."
Marisol T.
Family Protector Policyholder
What you get with Big Sky that you won't find anywhere else.
The same industry, the same processes, but here's where we part ways from the rest.
| Do they...? | Big Sky | Other Companies |
|---|---|---|
| Offer benefits during your life |
Big Sky Most products, always. Big Sky: yes |
Other Companies Sometimes, but usually no. |
| Have an accessible team |
Big Sky You'll know us by name. Big Sky: yes |
Other Companies Always hard to reach, except for Jake. |
| Offer unique products for you and your family |
Big Sky All we do. Big Sky: yes |
Other Companies Basic products |
| Hide behind jargon and information dumping. |
Big Sky We'll always be up front and accessible. Big Sky: yes |
Other Companies It's their core strategy |
| Build local communities |
Big Sky Montana heart, nationwide. Big Sky: yes |
Other Companies Sometimes they do! Usually they don't. |
| Focused on all family types |
Big Sky Always. Big Sky: yes |
Other Companies You're going to have to fit their requirements, not the other way around. |
84%
Match for ScholarGuard
Find your Big Sky product by taking a personalized assessment.
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.