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Best Life Insurance Companies in South Dakota

Our Recommended Top 10

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored South Dakota life insurance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Life Insurance Companies Serving South Dakota
South Dakota

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (3)

Why choose this provider?

Kohmer Agency Inc. is a family-owned and family-operated insurance firm that caters to clients in South Dakota. The company offers life insurance to individuals, including term and permanent policies. It also provides auto, motorcycle, recreational vehicle, farm, and homeowners' insurance. The agency also offers business insurance to clients from various industries, such as healthcare, real estate, construction, manufacturing, and hospitality. For over two decades, it has worked with various carriers, including Farmers Mutual of Nebraska, North Star, Farmers Alliance, Nationwide On Your Side, and Wellmark.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving South Dakota
South Dakota

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Sprik Financial Group manages life insurance policies for individuals across the state of South Dakota. The full-service financial institution frequently handles term life, whole life, universal life, and variable universal life insurance products, in addition to survivorship life insurance, which is frequently utilized to achieve estate planning or business continuance objectives. Founder Darwyn Sprik holds the Life Underwriter Training Council Fellow, Retirement Income Certified Professional, and Certified Long-Term Care designations and has been in the finance industry since 2009.

  • Whole Life Insurance
  • Term Life Insurance
  • Life Insurance

Best Life Insurance Companies Serving South Dakota
South Dakota

Expertise.com Rating

Review Sources

Google
4.6 (18)
Facebook
5.0 (9)

Why choose this provider?

Insurance Plus caters to South Dakota locals, helping them shop for and acquire various insurance solutions as an independent insurance agency. It offers life insurance policies that are suited to clients' financial capabilities and adaptable to their changing circumstances. The company also helps individuals and businesses acquire coverage for their automobiles, property, and general legal liability. In addition to insurance solutions and services, Insurance Plus serves its community through its support of organizations like the Exchange Club of Aberdeen and Safe Harbor.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving South Dakota
South Dakota

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Martin-Trudeau Insurance is an agency that offers whole, variable, and universal life insurance options for clients in South Dakota. The team also finds suitable insurance coverage for clients who are preparing for disabilities, accidents, and long-term medical treatments that may arise in the future. Martin-Trudeau Insurance has established its presence in the finance industry for more than five decades. The agency also assists clients with their home, auto, commercial, farm, livestock, and crop insurance needs.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving South Dakota
South Dakota

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Marin-Biel Insurance is an independent insurance agency that serves families and businesses in South Dakota. It offers a wide range of insurance products, including life, auto, home, and health. Its team of agents educates clients about different insurance products and uses them to develop tailored insurance coverage that matches clients' budgets and needs. The agency also has commercial insurance policies for properties, business auto, and inland marine. Marin-Biel Insurance has been in operation since 1983.

  • Life Insurance

Best Life Insurance Companies Serving South Dakota
South Dakota

Expertise.com Rating

Review Sources

Google
5.0 (27)

Why choose this provider?

South Dakota Senior Insurance Agency provides term and whole life insurance to help relieve the financial burdens of beneficiaries upon their loved one’s passing. Its agents carry critical illness policies for clients diagnosed with covered conditions, such as cancer, heart attack, or stroke. They also offer options to reimburse policyholders for the care given in assisted living facilities and nursing homes. Before establishing his company in 2014, founder Brian Spire worked for an insurance agency assisting people with their Medicare needs.

  • Life Insurance

Best Life Insurance Companies Serving South Dakota
South Dakota

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Great Place Insurance serves the locals of South Dakota and the surrounding neighborhoods. The Sioux Falls-based, independent agency provides life insurance that is available in 10, 15, 20, 25, and 30-year level term options. It also offers other policies that include auto, health, commercial, home, and full-time RV coverage that is available in Iowa, Texas, Arizona, Minnesota, Nebraska, and Montana. Daniel Dougherty started the company in 1995 when it was known as Dougherty & Associates, Inc.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving South Dakota
South Dakota

Expertise.com Rating

Review Sources

Facebook
5.0 (16)
Google
3.5 (2)

Why choose this provider?

Juffer Inc. is an insurance agency that provides life insurance policies to residents of South Dakota. It assists individuals who want life insurance as part of their death benefit protection, cash accumulation, income tax benefits, or estate planning. The agency has term, whole life, and universal life policies. It also offers health insurance, including those with co-payment plans. In addition, the company has a line of other products like auto, homeowners', farm, crop, and commercial insurance.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving South Dakota
South Dakota

Expertise.com Rating

Why choose this provider?

Brueggeman Insurance offers life insurance policies through New York Life for individuals and families in South Dakota to help protect their future. It also offers health insurance plans through several well-known carriers, including Humana, Aetna, Mutual of Omaha, and Wellmark Blue Cross Blue Shield. The agency comprises agents Karla Christensen and Vincent Brueggeman, who have nine decades of combined experience in the insurance and financial services industry. Brueggeman Insurance itself has been in business since 1968.

  • Life Insurance

Best Life Insurance Companies Serving South Dakota
South Dakota

Expertise.com Rating

Review Sources

Google
4.9 (10)
Facebook
5.0 (8)

Why choose this provider?

Key Insurance serves the coverage needs of clients in South Dakota. It writes various policies under personal lines, including whole, universal, and variable universal life plans. These policies cover final expenses, survivor benefits and inheritance, and charitable gifts. The company's agents work alongside clients to help them pick a package that best meets their individual needs and financial goals. They assess and customize options from different insurance carriers, including American Modern, Acuity Insurance, and Zurich. The firm's partner, Jesse Konold, is a Certified Insurance Counselor.

  • Health Insurance
  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Krohmer Agency Inc.
120 S Wallace Ave., South Dakota, SD 57382
Sprik Financial Group
7615 S Kenton Lane, Suite 100, South Dakota, SD 57108
Insurance Plus
405 NW 8th Avenue Suite 204, South Dakota, SD 57401
Martin-Trudeau Insurance
1531 W Elm Avenue, South Dakota, SD 57301
Marin-Biel Insurance
3416 Main St., South Dakota, SD 57472
South Dakota Senior Insurance Agency
South Dakota, SD 57769
Great Place Insurance
3704 S Westport Ave, South Dakota, SD 57106
Juffer Inc.
810 W Hwy-46, South Dakota, SD 57380
Brueggeman Insurance
1414 9th Ave SE, South Dakota, SD 57201
Key Insurance
210 E Grand Xing, South Dakota, SD 57601

South Dakota Life Insurance FAQs

  • Can you change the benefits of your existing life insurance policy in South Dakota?

    Yes. You can update and adjust your current life insurance policy in South Dakota to achieve the benefits you want. However, any changes in your health may impact your ability to obtain a new policy or the premium you’ll pay. As a rule, it is best not to cancel your current policy until you get a new one.

  • How do you determine the right amount of life insurance to buy in South Dakota?

    When it comes to determining the amount of life insurance coverage to buy in South Dakota, there are several factors that you have to consider first. These include whether or not anyone depends on you financially, how much income you generate, and your family’s ability to pay your final expenses and repay debts after your death.

  • What can you do if you can’t find the life insurance policy of your deceased loved one in South Dakota?

    To prevent your deceased loved one’s hard-earned money from becoming part of the unclaimed statistic, you may easily search for any South Dakota life insurance policy through the Life Insurance Policy Locator: https://eapps.naic.org/life-policy-locator/#/welcome. The South Dakota Division of Insurance, with the National Association of Insurance Commissioners, offers access to this free online tool to help consumers search for missing policies and annuities.

  • Are there limitations to how a beneficiary can spend a life insurance policy’s benefit in South Dakota?

    No. There are no limitations to how a beneficiary in South Dakota may spend the benefit they received from a life insurance payout. Most beneficiaries use life insurance payouts for funeral expenses, daily expenses, child or dependent care, and income replacement. Sometimes, the benefit may significantly cover costs related to sending a child to college or paying outstanding debts.

  • Can you back out of a recently issued life insurance policy in South Dakota?

    Yes. Depending on the “free look period of your chosen insurance provider, you may be able to back out of coverage and receive a full refund of any premiums that you have already paid. The insurance company is also prohibited from charging you any penalties for backing out of the contract during its stated free-look period. South Dakota’s insurance laws mandate companies to offer at least a 10-day free look period.