I'm Chad Stone — a veteran, husband, dad, and the founder of Stone Agency here in Montana. My wife, Shannon, and I built this agency on the same values we live every day: grit, resilience, and a relentless focus on protecting the people we love.

We don’t just talk about security — we live it. On our homestead, we raise animals, grow our own food, and cut our own firewood. Our kids learn early that stability comes from preparation and hard work. That same mindset drives the way we help families build financial plans that stand strong through every season of life.

One of the most powerful tools we use is Indexed Universal Life (IUL). It provides protection today, tax-free retirement income tomorrow, and the freedom to access your money without waiting on permission from Wall Street, Washington, or a bank. Beyond that, we help families with mortgage protection, final expense coverage, and everything in between — giving you control, protection, and peace of mind.

Life is full of storms — job loss, medical bills, unexpected tragedy. Out here in Montana, we know storms. We cut firewood all summer and stock the pantry because when the snow piles high and the wind cuts through, you don’t hope you’re ready — you know you’re ready. Financial storms work the same way. Families who prepare thrive. Families who don’t… risk everything.

At Stone Agency, our mission is simple: to help you thrive. We’ll give you the tools, strategies, and resilience to face life’s storms with confidence — and to build a future as steady and secure as the Montana mountains.