Five-0-Nine Insurance

Wherever you call home in the Northwest, good coverage guidance should be within reach.

We're a local, independent agency based in Spokane, and we serve clients across Washington, Idaho, Montana, and Oregon. Same team, same guidance at no cost to you, whether you're comparing options, sorting out a marketplace plan, or adding supplemental coverage.

You don't have to navigate any of it alone, no matter which state you're in.

Let's find the coverage that fits your life. Call Five-0-Nine Insurance at (509) 979-2578 or visit five0nineinsurance.com for guidance at no cost to you.

Meet Nate Lant, Independent Advisor

Nate brings something a little different to insurance: the heart of a teacher.

A Montana native, Nate spent more than 20 years in public education as both a teacher and school principal before joining the family business a few years ago.
Today, he uses that same experience to help individuals, families, and businesses better understand their coverage and make informed decisions.

His approach is simple: listen, educate, build relationships, and follow through.
Nate and his wife live in Montana with their three boys and three dogs. Outside of work, family life keeps them busy, and they especially appreciate those rare evenings when nobody has to cook.

We are proud to have Nate as part of the Five-O-Nine Insurance team.

FAQ: Do I really need dental and vision coverage if I have a health plan?

Q: Doesn't my medical insurance cover this?
A: Usually not. Routine dental cleanings, exams, glasses, and eye care often fall outside standard medical coverage.

Q: Can I get dental and vision on their own?
A: Yes. We offer standalone dental and vision plans for people who want those specific benefits without a full medical plan.

Q: Who is this good for?
A: Anyone whose current coverage leaves these out, from working adults to retirees who want to keep up with routine care.

Q: How do I find the right one?
A: That's what we're here for. We'll compare options and match you to a plan that fits.

Ready to fill the gap? Call Five-0-Nine Insurance at (509) 979-2578 or visit five0nineinsurance.com.

Some bills don't wait for you to get better. When a hospital stay hits, the mortgage, groceries, and everyday costs keep coming, whether or not you're able to work.

Hospital Indemnity coverage is built for that gap. It pays a cash benefit directly to you when you're hospitalized, and you decide how to use it, whether that's medical costs, household bills, or just staying afloat during recovery.

It works alongside your existing health plan, adding a financial cushion right when things get tight.

Give yourself one less thing to worry about. Call Five-0-Nine Insurance at (509) 979-2578 or visit five0nineinsurance.com to see how it fits.

Could your family find everything they need if you weren’t here to tell them where it is?

It’s not the most comfortable question, but it’s an important one.

Would they know where to find your life insurance policy? Who to call? Which bills are on autopay? Where important documents are kept? What accounts exist? Who handles the mortgage, utilities, or other household details?

Planning ahead isn’t just about having coverage. It’s about making an already difficult time a little less confusing for the people you love.

At Five-0-Nine Insurance, Kelly believes these conversations should be practical, personal, and pressure-free. If it’s been a while since you reviewed your life insurance, or you’re not sure your family would know where to start, this is a good time to get organized.

A little preparation now can leave your family with fewer questions later.

When you own the business, you are the business. If you can't work, things don't just slow down - they can stop.

That's what makes the right coverage matter more for business owners than most people realize. It's not only about medical bills. It's about protecting your income and your operation when something unexpected takes you out of the game.

The good news: you don't have to piece it together alone. As independent agents, we look at where you're exposed and help you build protection around it - from health coverage to supplemental and life insurance options that fit how you actually work.

Your business runs on your ability to show up. Let's make sure a bad week doesn't turn into a bigger problem.

Call Five-0-Nine Insurance at (509) 979-2578 or visit five0nineinsurance.com.

Retiring Before Early or Before 65? Or Just Want to Leave Work? Working for the Benefits? What Will You Do for Health Insurance?

If you’re retiring before you’re eligible for Medicare, one of the biggest questions may be: What do I do for health insurance? What if my spouse or significant other is on the insurance or needs insurance?

Should you continue your employer coverage through COBRA or look at an ACA/individual health insurance plan?

Both can have advantages and disadvantages depending on your situation—cost, deductibles, doctors, prescriptions, family coverage, time of year, and potential financial assistance can all matter.

At Five-0-Nine Insurance, we’ll help you compare the good, the bad, and the ugly of each option so you can understand the differences before making a decision. Call us before you make your health insurance decision.

No one plans for a cancer diagnosis. But you can plan for what comes with one.

Cancer Insurance is supplemental coverage that pays benefits directly to you after a covered diagnosis - money you can put toward treatment costs, travel to appointments, or simply keeping the household running while you focus on getting well.

It doesn't replace your health insurance. It stands beside it, so a health battle doesn't have to become a financial one too.

It's a hard topic. But we'll make the conversation easy.
Call Five-0-Nine Insurance at (509) 979-2578 or visit five0nineinsurance.com.

Meet Kelly, Owner of Five-0-Nine Insurance

Kelly has worked in the insurance industry since 1999 and believes insurance should start with a conversation, not a sales pitch.

Her approach is simple: educate, listen, advocate, and help people make informed decisions for themselves, their families, and their future.

Originally from Montana, Kelly now serves clients and communities across Washington and Montana. She loves building relationships, connecting people with helpful resources, and being someone clients know they can call when life changes or questions come up.

Outside the office, Kelly enjoys time with her husband and two kids, gardening, cooking, DIY projects, and life with the family dogs and house bunny.

An unexpected hospital stay doesn't just interrupt your health. It interrupts your income, your routine, and your budget.

Hospital Indemnity Insurance is built for that moment. It pays a fixed cash benefit directly to you - not the hospital - when you're admitted. Groceries, the mortgage, a deductible, lost wages: the money is yours to use however you need it.

It's a simple layer of protection that works alongside the coverage you already have. And most people don't think about it until they wish they had it.

Don't wait for the "what if" to become a "now what."
Call Five-0-Nine Insurance at (509) 979-2578 or visit five0nineinsurance.com.