Business Details
45 Years
experience
Kalispell Montana Insurance Experts
Founded in 1981, Compass Group Insurance has served Montana residents for over three decades, combining deep industry knowledge with personalized service. Our team of certified professionals, including owner Orrin Webber with 35 years of experience and Stephanie Franklin, an ACA specialist since 2012, delivers tailored insurance solutions. We maintain specialized certifications with Blue Cross Blue Shield of Montana and as Exchange Producers, ensuring expertise in both traditional and marketplace plans. Our commitment to integrity and professionalism guides every client interaction, from initial consultation through policy implementation. With a focus on health insurance, life insurance (term, whole, and universal), and Medicare supplements, we address diverse coverage needs across individual, family, and senior populations.Our locally rooted perspective complements our national certification standards, providing clients with both community understanding and industry authority. We maintain transparent communication throughout the enrollment process, including marketplace plan options and penalty avoidance guidance. Our office in Kalispell operates extended weekday hours to accommodate client schedules, with after-hours availability for urgent needs. This combination of experience, certification, and client-centered approach has sustained our reputation as trusted advisors in Montana's insurance landscape. We measure success through client satisfaction metrics and long-term policy retention rates, reflecting our commitment to exceeding expectations.
Services
Health Insurance
Term Life Insurance
Whole Life Insurance
Universal Life Insurance
Medicare Supplements
Marketplace Plans
Individual Coverage
Family Insurance
Details
- Year established: 1981
Highlights and features
- 35 years of Montana insurance expertise
- Certified Exchange Producer status
- Specialized Medicare supplement knowledge
- Locally owned and community engaged
- Transparent enrollment process guidance
Associations and certifications
- Blue Cross Blue Shield of Montana
- Certified Exchange Producer
Services
Health Insurance
We provide comprehensive health insurance solutions covering essential medical services, preventive care, and emergency treatments. Our plans protect against high healthcare costs while offering network provider access. Clients receive guidance on marketplace enrollment, deductible optimization, and coverage customization for individual or family needs.
Term Life Insurance
Our term life policies offer affordable coverage for specific life stages or financial obligations. Policies can convert to permanent insurance as needs evolve. We help clients determine appropriate coverage amounts and durations aligned with mortgages, childcare costs, or business obligations.
Medicare Supplements
We specialize in Medicare Advantage and supplement plans certified by Blue Cross Blue Shield. Our solutions address gaps in original Medicare coverage while maintaining prescription drug and specialist access. Certified agents provide comparative analyses of plan options for retiring clients.
Marketplace Plans
As Certified Exchange Producers, we facilitate ACA-compliant marketplace plan enrollment. Our services include subsidy qualification assessments, plan comparisons, and penalty avoidance guidance. We maintain updated knowledge of annual enrollment periods and changing regulatory requirements.
Whole Life Insurance
We offer whole life insurance policies providing lifelong coverage with cash value accumulation. These plans serve estate planning, legacy, and long-term protection needs. Our agents explain premium structures, dividend options, and policy loan features to help clients make informed decisions.
People
Orrin Webber
Owner / Insurance Agent
With 35 years of Montana insurance experience, Orrin founded Compass Group in 1981. He maintains Exchange Producer certification and specializes in senior coverage solutions through Blue Cross Blue Shield partnerships.
Stephanie Franklin
Insurance Agent
Certified Exchange Producer since 2012, Stephanie specializes in individual and family marketplace plans. Her expertise includes ACA compliance and customized coverage solutions for diverse client needs.
Questions
What insurance types do you offer?
We provide health insurance, life insurance (term, whole, universal), Medicare supplements, and marketplace plans for individuals and families across Montana.
Are you affiliated with specific insurers?
We partner with Pacific Source, Montana Health Co-op, and Blue Cross Blue Shield of Montana while maintaining independence to offer unbiased comparisons.
Do you help with marketplace enrollment?
Yes, as Certified Exchange Producers, we guide clients through ACA-compliant marketplace plan selection and enrollment during annual open periods.
What senior insurance options exist?
We offer Medicare Advantage plans and supplements certified by Blue Cross Blue Shield, with personalized guidance on prescription coverage and specialist access.
How are policy premiums determined?
Premiums depend on coverage type, age, health status, and selected benefits. Our agents provide detailed breakdowns during personalized consultations.
Can I modify existing coverage?
Yes, we review current policies annually and recommend adjustments based on life changes, ensuring coverage remains aligned with evolving needs and budget.
