Life Insurance & Retirement Planning Agent in Billings, MT.
Protect your family and plan for the future with life insurance, IULs, mortgage protection, final expense coverage, annuities, and retirement planning.
FULL INSURANCE
LIFE INSURANCE
MORTGAGE
FINAL EXPENSE
FREE CONSULTATION
YEAR ESTABLISHED
2020
Protect Your Family.
Build Wealth.
Plan for the Future.
Life insurance isn't just about preparing for the unexpected. It's about creating financial security, protecting the people you love, and building a stronger future for the next generation.
At Samantha & Cole Frank - Equis, we help individuals and families understand their insurance options and make informed decisions with confidence. As a husband-and-wife team based in Billings, Montana, we believe every family deserves personalized guidance, honest answers, and solutions designed around their unique goals.
Whether you're looking for life insurance, mortgage protection, retirement planning, or wealth-building strategies through Indexed Universal Life Insurance, we're here to help every step of the way.
We proudly serve clients throughout Montana, Washington, Wyoming, North Dakota, Idaho, and Pennsylvania through both in-person and virtual consultations.
Life Insurance Doesn't Have to Be Complicated
Many people know they need life insurance but aren't sure where to start. These are important questions, and we're here to help answer them.
At Samantha & Cole Frank - Equis, we take an education-first approach. We believe that understanding your options is the first step toward making the right decision for your family.
How much coverage do I actually need?
What's the difference between term and whole life insurance?
IIs an Indexed Universal Life policy right for me?
How can I protect my family if something happens to me?
Can life insurance help me build wealth for the future?
What options are available for retirement planning?
Insurance Solutions for Every Stage of Life
Whether you're protecting a growing family, planning for retirement, or creating financial opportunities for future generations, we offer solutions designed to meet your needs.
Life Insurance
Life insurance provides financial protection for your loved ones when they need it most. We help clients compare coverage options and choose plans that align with their budget, goals, and stage of life.
Coverage options include:
- Term Life Insurance
- Whole Life Insurance
- Permanent Life Insurance
- Cash-Value Life Insurance
- Supplemental Life Insurance
Indexed Universal Life (IUL) Insurance
An Indexed Universal Life policy can do more than provide a death benefit. It may also help build cash value over time while offering flexibility and long-term financial benefits.
Many families use IULs as part of a broader strategy to help create tax-advantaged growth and supplement future retirement income.
Mortgage Protection Insurance
Your home is one of your biggest investments. Mortgage protection insurance helps provide financial support so your loved ones can remain in their home if the unexpected occurs.
Final Expense Insurance
Final expense coverage helps ease the financial burden that can come with funeral and burial costs. These policies are designed to provide peace of mind and help families avoid unexpected expenses during difficult times.
Juvenile Life Insurance & Child Wealth Planning
Starting early can create valuable opportunities for the future. Juvenile life insurance can help secure lifelong coverage while creating a foundation for future financial planning and wealth-building.
Annuities & Retirement Planning
Preparing for retirement requires more than saving money. We help clients explore annuities and other strategies designed to protect assets, create predictable income, and support long-term financial confidence.
More Than Protection: Building Wealth for the Future
One of the biggest misconceptions about life insurance is that it's only designed to provide a death benefit. Certain types of life insurance can also play a role in a broader financial strategy.
We take the time to explain these opportunities in simple terms so you can understand how different products may fit into your overall financial picture.
Our goal is to help you make decisions that not only protect your family today but also support the future you want to build.
Depending on your goals, life insurance may help:
Build cash value over time
Create supplemental retirement income
Support long-term wealth accumulation
Leave a legacy for future generations
Provide financial flexibility during retirement
Protect assets while planning for the future
Why Families Choose
Samantha & Cole Frank - Equis
Choosing an insurance agency is about trust.
When you work with Samantha and Cole Frank, you're working directly with local professionals who are committed to helping families make informed decisions and feel confident about their coverage.
A Local Montana Agency
Based in Billings, Montana, we're proud to serve our local community while helping clients across multiple states through virtual consultations.
Personalized Recommendations
No two families are alike. We take the time to understand your goals and recommend solutions tailored to your needs.
Education-First Approach
We believe informed clients make better decisions. Our role is to educate, guide, and support you throughout the process.
Flexible Appointments
We offer both in-person and virtual consultations to make getting help simple and convenient.
Access to Equis Resources
As part of the Equis network, we have access to a wide range of insurance and financial solutions designed to help families protect what matters most and plan for the future with confidence.
Why Clients Appreciate Working With Us
Our clients value:
Honest, straightforward conversations
Personalized guidance
Clear explanations without industry jargon
Flexible scheduling options
Long-term relationships and ongoing support
A commitment to helping families make informed financial decisions
Our focus is never on selling a policy. It's on helping you find a solution that supports your goals and provides lasting peace of mind.
Frequently Asked Questions
How much life insurance do I need?
Coverage needs vary based on income, debts, family responsibilities, and future financial goals.
We can help you determine an appropriate amount based on your situation.
What is the difference between term and whole life insurance?
Term life insurance provides coverage for a set period, while whole life insurance offers
permanent protection and may build cash value over time.
Can life insurance help with retirement planning?
Certain policies, including Indexed Universal Life insurance, may offer features that support
long-term financial and retirement planning goals.
Do you offer virtual appointments?
Yes. We work with clients both in person and virtually throughout our licensed states.
Are consultations free?
Absolutely. We offer complimentary consultations so you can learn about your options and ask
questions without obligation.
Ready to Protect Your Family's Future?
Whether you're looking for life insurance, mortgage protection, final expense coverage, retirement planning solutions, or strategies designed to build long-term financial security, Samantha & Cole Frank - Equis is here to help.
Let's start with a conversation.
This is paragraph text. Click it or hit the Manage Text button to change the font, color, size, format, and more. To set up site-wide paragraph and title styles, go to Site Theme.
Call for a Free Consultation Today
SAMANTH FRANK
COLE FRANK
Serving Montana, Washington, Wyoming, North Dakota, Idaho, and Pennsylvania through in-person and virtual consultations.
