Veterans · MT

Life insurance and burial benefits for Montana veterans

About 85,000 veterans live in Montana. Yellowstone National Cemetery in Laurel is open for burials, while Fort Missoula Post Cemetery has no new gravesites. The state runs veterans cemeteries at Fort Harrison, Missoula and Miles City, where the plot, opening and closing, headstone and perpetual care are free for eligible veterans, and the Apsaalooke Veterans Cemetery at Crow Agency is a VA grant-funded tribal cemetery. Veterans rated 100% disabled may qualify for a property tax reduction through the Montana Disabled Veteran Assistance Program. Because burial benefits don't pay for the whole funeral, some families add a small life insurance policy to cover the rest.

Facts checked against the sources listed below.

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Veterans in the state

85,000

Estimate, 2026

VA national cemeteries

2

Located in Montana

State veterans cemeteries

4

Built with VA grants

State agency

MT

Montana Veteran Affairs Division

Life insurance options for Montana veterans

Military life insurance is federal, so the options are the same in every state: convert SGLI to VGLI after separation, apply for VALife if you have a service-connected rating, or buy private coverage. Healthy veterans often compare VGLI against private term life, since VGLI rates rise every five years.

Veterans cemeteries in Montana

VA national cemeteries

State veterans cemeteries

Burial in a VA national cemetery, a government headstone or marker, and a burial flag are available to eligible veterans at no cost; see VA burial benefits for current allowances. Source: VA National Cemetery Administration — cemeteries in Montana

Compare coverage as a veteran in Montana

A licensed agent can check private options side by side with VGLI and VALife. Free, with no obligation.

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Montana state benefits for veterans

The Montana Disabled Veteran Assistance Program (MDV) reduces the property tax rate on the home of a veteran rated 100% disabled from a service-connected condition, or of certain unmarried surviving spouses, with the reduction set by income and marital status; apply through the Montana Department of Revenue. Source: Montana Department of Revenue — Montana Disabled Veteran Assistance Program (MDV)

At Montana's state veterans cemeteries, the plot, opening and closing, headstone and perpetual care are free for eligible veterans; eligible spouses and dependents pay some fees. Source: Montana Veteran Affairs Division — Montana State Veterans Cemetery

For help applying, contact the Montana Veteran Affairs Division.

Planning for final costs too? See final expense insurance in Montana.

Frequently asked questions

Where can veterans be buried in Montana?

Montana has 2 VA national cemeteries and 4 state veterans cemeteries, including Yellowstone National Cemetery in Laurel. Eligibility rules apply; the cemetery or Montana Veteran Affairs Division can confirm.

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Can Montana veterans keep their military life insurance after leaving service?

SGLI can be converted to VGLI within 1 year and 120 days after separation, with no health questions if you apply within 240 days. Veterans with a service-connected rating may also qualify for VA Life Insurance (VALife). These are federal programs, so the rules are the same in every state.

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Do disabled veterans get a property tax break in Montana?

The Montana Disabled Veteran Assistance Program (MDV) reduces the property tax rate on the home of a veteran rated 100% disabled from a service-connected condition, or of certain unmarried surviving spouses, with the reduction set by income and marital status; apply through the Montana Department of Revenue.

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Sources

  1. VA National Cemetery Administration — cemeteries in Montana
  2. VA VetPop2023 state estimates (Veteran Population by State: FY2026)
  3. Montana Department of Revenue — Montana Disabled Veteran Assistance Program (MDV)
  4. Montana Veteran Affairs Division — Montana State Veterans Cemetery
  5. Montana Veteran Affairs Division

Veterans guides for other states