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1105 Maple Avenue

Zanesville, OH 43701


Your Life and Health are Our Business


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Interact  with our winning companies

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Columbus Life

First Colony

U.S. Financial

John Hancock


Individual Health

Anthem/Blue Cross

Central Reserve Life

Medical Mutual of Ohio



John Alden

Group Health

Anthem/Blue Cross

Central Reserve Life

Medical Mutual of Ohio


United Health Care






Life Insurance is a Win-Win Proposition...

Here's why...

Combined with investments, retirement and estate planning, life insurance is a fundamental part of a sound financial plan.  Life insurance helps to ensure that your family and loved ones are protected against financial difficulties in the event of a premature death.

Tom Montgomery Insurance works with you to develop a complete plan that will protect you and your family.

Life Insurance Overview

We provide a mix of products comprised of universal life insurance, term life insurance, and participating whole life insurance, along with annuities.

  • Universal Life insurance offers the best of two worlds--a set amount of coverage with a tax-deferred, cash accumulation account based on current interest rates. This permanent insurance plan generally provides lower premiums for those people who have life insurance needs which will stay relatively constant over their lifetimes, or who desire the cash value build-up universal life policies can provide.

  • Variable Universal Life insurance offers the security and tax advantages of life insurance coupled with the growth potential of equity investing. This life insurance product offers a unique way to preserve your assets from current taxation, transfer them to your beneficiaries, and accumulate additional assets at the same time.

  • Joint Survivor Universal Life generates the liquidity to cover estate taxes after the death of the surviving spouse, allowing you to take full advantage of the estate tax marital deduction. Competitively priced for older ages (60 and up), this product offers an excellent, cost effective solution to a very expensive problem. While the policy covers both lives, the benefit is paid upon the death of the surviving insured.

  • Term insurance products provide valuable short-term protection at an affordable cost.  Plans are available for 1, 5, 10, or 20 year periods of coverage. All products can be renewed without providing additional medical information to age 99.  When you decide that you need a more permanent form of insurance, some policies can be converted into a whole life or universal life product without new evidence of insurability on the converted amount.

  • Participating whole life product provides guaranteed benefits at an attractive, competitive price.

  • Annuities are for you if accumulating funds for retirement is your goal.   As with all annuities, premiums accumulate on a tax-deferred basis to maximize your benefit. Each product provides income options which will allow you to take your money at the time annuity payments begin in the form best suited to you, whether that be for regular payments over a specific period of time or an income guaranteed to last your lifetime.

Tom Montgomery Insurance works to provide you with protection and peace of mind! Our companies offer guaranteed level premiums and guaranteed death benefits. We believe that life insurance is a win-win proposition for your life!

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