South Dakota Life Insurance

Compare personalized life insurance rates in South Dakota

Life Insurance in South Dakota

Most people don’t want to think about buying life insurance in South Dakota, but having a life insurance policy can give you peace of mind knowing your family has financial protection if you die suddenly. It is possible to find cheap life insurance, including whole and term life insurance in South Dakota, especially if you buy your policy while you are younger. With this help, you can compare life insurance plans in South Dakota easily and find the best policy for coverage and cost.

South Dakota Life Insurance Quotes

In nearly all situations, you need customized, personalized South Dakota life insurance quotes. That is because life insurance rates in South Dakota are based far less on where you live than on your health, the type of lifestyle you live, and even if you are male or female. A simple life insurance calculator can’t provide accurate information because it doesn’t know this information. That’s where our smart wizard works for you. It factors in your location and personal factors to provide you with an accurate quote. Learn how to get the best rates for life insurance in South Dakota by using this tool.

Life Insurance Companies in South Dakota

Here’s the first secret. Most of the time, the best insurance companies in South Dakota don’t advertise their rates heavily. Did you know there are over 40 companies offering life insurance in the state? Many of these offer fantastic coverage at competitive rates, but you may never have heard of them.


Another thing you may not know is that each life insurance company in South Dakota uses different factors to determine how much to charge you. That means some may offer a slightly lower rate based on factors others do not consider. One good example of this is being married. With 53.3 percent of the South Dakota population married, you want to find those companies that see this as a way to reduce life insurance costs.

How to Get the Best Rates for Life Insurance in South Dakota


Now that you know there’s so much involved in determining your price, you probably want to know what you have to do to find the best coverage for your needs. You can contact every one of those 40 companies and request a quote. This gets expensive due to medical testing. You can use a life insurance agent, but few of them will actually offer a complete list of options. Instead, use Enter your zip code and some basic information. The smart matching tool goes to work to provide you with a list of only those companies that fit your needs, giving you the ability to see which one offers the best rates in your area.


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How Are Life Insurance Rates Calculated in South Dakota?

The next concern most people have is what factors make them a higher risk and therefore increase costs. This has to do with data. Companies use data to know what factors in a person’s life make it more likely they will die at an earlier age. Here’s what South Dakota insurers look at.


Age is by far the biggest factor for obvious reasons. In South Dakota, the biggest age group of people is between 25 and 34. If you fall into this area, buy life insurance now. Your costs will never be lower and still remain competitive for whole and term life insurance policies.


You know women live longer than men. But you may not know this helps women to get lower rates on life insurance. That’s not good news for the 50.34 percent of people in the state that are male.

Weight and Health Background

Health is a big factor. If you have a pre-existing health condition or are high risk for various health problems, that raises your costs. In 2017, 31.9 percent of adults in South Dakota were considered obese, and 11.1 percent had diabetes, factors that are slightly higher than the national average.

Job and Profession

There are also some professionals in South Dakota that may be riskier to work in because they may put your life on the line. In South Dakota, law enforcement is common, but so is manufacturing, agriculture, and transportation.


You may not think you engage in reckless behavior, but life insurance companies need to know what things you do that could make you a higher risk. In South Dakota, drug and alcohol use can be big factors. In 2016, 18.4 out of every 100,000 people died as a result of alcohol-related use, and 8.7 died as a result of drug use.

Criminal Record

This one is pretty much known, but if you have a criminal history, especially one that involves violent behavior or time behind bars, your costs for coverage are going to be higher. There’s just a higher chance that you could be involved in a deadly situation.

Life Insurance Policy in South Dakota - Compare the Best Plans

Here are the most common types of life insurance in South Dakota. Which one is right for you?

Term Life Insurance

Term life insurance is affordable but remains in place for just a set number of years. It is best for those who want to have funds available to pay off debts like their mortgage or to take care of their dependents.

Whole Life Insurance

Whole life lasts your lifetime if you continue to make payment. The death benefit is an excellent way to fund your estate plan, trusts, or to leave behind money to a charity.

Universal Life Insurance

Universal life is an excellent choice if you are looking for a way to supplement your retirement income. It pays out a small amount of money – depending on how well the underlying investments do – to you because it builds up cash value.

Family Life Insurance

Buying life insurance for yourself and others in your family at one time can help you to save money, too. This is very important for spouses in South Dakota who want to create a plan for funding the other spouse’s life after one dies.

Group Life Insurance

Some life insurance policies are available through your employer, often at a fraction of the cost. These group life insurance plans are a good start, but they may not be enough to protect your family.

Life Insurance for Kids

Children’s life insurance policies are a good fit as well, but it is important to know that they are in place for only a set number of years. This policy can cover end of life needs should this type of tragedy occur.


At, we take all the questions out of the process. Enter your zip code and some personal information here. Then, our smart matching algorithm will give you a list of companies offering coverage in your area and plans that match your needs, giving you clear access to all the options.


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