Nicole Miller, Farm Bureau Financial Services, LLC

08/31/2026

We are experiencing the worldwide outlook email disruption. The disruption appears to impact users across multiple regions globally on desktop, web, and mobil access. If you need to reach us, please contact us by phone 406 827 3237. Thankyou!

08/02/2026

With fire season here make sure you have reviewed your insurance coverages with your agent and you have insurance in place. Once a fire has reached an area we are unable to write new business or make ANY changes to existing policies until the fire it at 100% containment. This includes people purchasing homes in the area. We are happy to sit down and review your coverages you have with another company and compare the differences and answer any questions you may have. 406 827 3237.

08/02/2026

Let me know if I can help with your life insurance questions?

As a reminder and the fires are starting to get closer to home, please make sure to review your coverages. We try our best to reach out to each policy renewing to schedule appointments for review. If we have a fire in our area (which I really hope we dont) we cant bind new coverage or make changes to existing policies.

07/17/2026

With fire season arriving make sure you have reviewed your insurance coverages with your agent and you have insurance in place. Once a fire has reached an area we are unable to write business until the fire it at 100% containment. This includes people purchasing homes in the area. We are happy to sit down and review your coverages you have with another company and compare the differences and answer any questions you may have. 406 827 3237.

05/26/2026

This is an important read for anyone in Montana, especially in agriculture. Karli Johnson is our Director of State Governmental Affairs. She is a mom and registered black angus rancher who wants to give her children the opportunity to ranch as well. In this op-ed, she not only discusses water use concerns that are making that increasingly difficult for many farmers and ranchers in our state, but also how Montana Farm Bureau is working toward a solution where agriculture and growth can co-exist responsibly.


https://www.northernag.net/op-ed-montana-is-at-a-crossroads-between-preserving-agriculture-and-managing-growth/
This article touches on the exempt wells and the growth Montana is seeing as a whole.

by Karli Johnson - Director of State Governmental Affairs, Montana Farm Bureau Federation Montana is at a crossroads. In agriculture, we are in the challenging position of trying to thread the needle between preserving our way of life and supporting the growth our communities have been dreaming of f...

05/22/2026

What is worse meeting with your tax accounant every year for taxes (Option A) or renewing/reviewing your home and auto insurance policy with your insurance Agent (Option B)? Place your answer in the comments.

05/21/2026

Friday May 22nd our office is closing at 1PM and Monday May 25th the office will be closed all day.

Our office honors the men and women who gave the ultimate sacrafice. We honor and appreciate all of those currently serving or have served.

What is Memorial Day? Memorial Day specifically honors the men and women who died in military service.

History Origins: Originally called "Decoration Day," it began shortly after the Civil War (in 1868) as a time for citizens to decorate the graves of fallen soldiers with flowers and flags.

Evolution: Originally meant to honor only Civil War casualties, it later evolved to commemorate American service members lost in all wars.

05/21/2026

What is your biggest risk?

Do you think your covered when your not? Underinsured businesses often discover coverage gaps to late.

Lets review your current policy -no pressure, just protection.

Call our office 406-827-3237 to schedule your appointment to review your coverages.

05/20/2026

This was taken direclty from the CSIMT.GOV by Montana State Auditor James Brown.

Montanans are facing a new reality: skyrocketing homeowners’ insurance premiums and an escalating wildfire threat. According to the National Association of Realtors, Montana may experience the fifth-highest state increase in homeowners’ insurance rates this year — a trend impacting residents statewide.

Two major forces are driving higher costs. First, wildfires have become more frequent and intense. Nearly 70% of all wildfires recorded in Montana have occurred since 2000. These longer-lasting, more destructive fires dramatically increase the risk to homes, pushing insurance rates higher. Second, Montana’s scenic appeal and lifestyle continue to attract new residents, inflating property values and replacement costs — thereby driving up premiums.

Also, Montana now ranks second nationally for the percentage of homes at risk of catastrophic wildfire damage. Over 50% of properties are vulnerable, and many homeowners — especially those near wildland-urban interfaces — are facing steep premium hikes or non-renewal notices.

With MWFBI, 70FT of defensible zone is requried by our underwriters. Photos MUST be obtained to show the definsible zone. How we obtain those, is myself or one of my sales associates will physically drive to your property to take photos. The underwriters often utilize google maps and/or onxmaps to review arieal views. I have also purchased a Bosch Blaze Laser Distance Meter to help verify that the definsible zone is in place. All insurance policies with MWFBI is contigent upon a final risk assessment and are subject to final review and approval by the companies underwriters.

I hope this helps explain that there is a more involved into binding a insurance policy, its not as simple as taking your information clicking a button in a computer system and telling the "insured" your assets are covered. There is definetly more to binding an insurance policy than just even taking photos. All underwriting guidelines must be met.

We are entrusted with protecting all Montanans from bad actors by regulating two of the state’s largest industries—securities and insurance. We strive to foster a thriving Montana industry marketplace through education, common-sense regulation, and equitable enforcement of the law with swift acc...

05/19/2026

11 Excuses to NOT get life insurance and why they are incorrect.

1. I am healthy, so why do I need it? - If you wait until we are not healthy its extremely expensive or you cant get it. When a healthy person dies it is almost always unexpected.

2. I am young, why would I need life insurance? Young people die all the time. Death at a young age is usually a far greater burden. You have little to no assets and often have debts that are tied to other people like your parents.

3. My work has life insurance. - Do they? Have you looked at your employee benefits manual? This is usually not enough. If you leave that job, your coverage does not go with you.

4. My bank covers me. - The bank does not cover you. The bank offers a creditor insurance. This eliminates loans or debts that the bank holds with you. The bank offers this so they are not left holding the debt.

5. I am a single person. Single people leave behind financial burdens on others too. Single people meet other people and become non single.

6. I have investments. Life insurance is one of the only investments you have that will flow to your beneficiaries tax-free.

7. I dont want anyone getting rich off my death. - Life insurance protects wealth or covers a need, thats all. Widows dont get rich when their husband dies. Widows keep the family home if their husband has life insurance. Dont devalue yourslef. You are worth far more than you might think.

8. Its to expensive. - You find a way to insure your cell phone in your monthly cell phone bill payment. The phone is maybe 2000 to replace. However your life is not replaceable and you are not willing to buy time for your loved ones.

9. I dont have any money. - This is valid point. You dont have to have a huge life insurance policy. May I also suggest that if a small life insurance premium is what breaks your budget, that you do not have your money prioritized properly. If I asked you if you wanted beer or financial freedom, you’d chose the latter. If I asked you if you wanted a steak dinner or your children to go to college, you’d choose the latter. If I asked you if you wanted a family vacation or your family to have a roof over their head, you’d choose the latter. Do we not have any money?

10. Im not healthy. The question is not if you can get it. The question is how much you can get, how much will it cost and what are the terms.

11. If I live, I get nothing out of it. Yes you get nothing, except you lived, which is good right? You dont get car insurance because you plan on being in an auto accident, you dont get home insurance because you plan on your home catching fire. You cover yourself in CASE anythying happens..

Dont wait until you have a health scare or a stressful life event. The best regret is the one you avoid.

Call my office today and lets just have a conversation about your options.