As of Jan. 1, 2001, the formation of a regional insurance and financial services firm known as Payne Financial Group has provided exciting opportunities for its clients and colleagues, as well as the communities in which it operates. The company combines the leading agencies throughout Montana and northern Wyoming formerly known as Terry Payne and Company, Hoiness LaBar and Montana International Insurance into a single insurance and financial services firm. Products and services include commercial insurance, surety, personal and small business insurance, group and individual life, employee benefits and investment products. The combined companies, still utilizing their former names as well as the new brand, have approximately 200 colleagues and represent more than $200 million dollars in premium volume. Montana International Insurance maintains a location in Missoula, Mont.