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Life insurance, current and clear
Timely takes on life-insurance trends, data, and decisions — written for families across Sioux Falls and South Dakota.
Does Vaping Count as Smoking for Life Insurance in 2026?
Most carriers rate vapers as smokers, but not all of them, and not forever. How South Dakota carriers actually classify e-cigarette use in 2026, sourced.
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How Annuities Are Taxed in South Dakota: 2026 Guide
Annuity earnings are taxed as ordinary federal income, but South Dakota adds no state tax. The 2026 rules on LIFO, exclusion ratios and RMDs, sourced.
Does Ozempic Affect Your Life Insurance? 2026 SD Guide
Ozempic, Wegovy and Zepbound don't automatically disqualify you. How South Dakota life insurance underwriters actually treat GLP-1 drugs in 2026, sourced.
Underwritten vs. No-Exam Life Insurance in 2026: What Convenience Actually Costs
Fully underwritten coverage is usually the cheapest per dollar; no-exam paths trade information for speed. Here's when the convenience is free, when it costs real money, and how to tell which you're being offered.
Mortgage Protection Insurance in Rapid City, 2026
Rapid City's median home listing price hit $438,700 in July 2026. A guide to sizing mortgage protection or term life coverage to your real loan balance.
Life Insurance and Marijuana Use: A 2026 South Dakota Guide
Marijuana use does not automatically block a policy. How South Dakota carriers classify cannabis use, non-tobacco rates, and what to disclose in 2026.
Life Insurance With Diabetes: A 2026 South Dakota Guide
Diabetes usually does not mean a decline. How A1C, table ratings and accelerated underwriting actually work for South Dakotans buying life insurance in 2026.
Indexed Universal Life Insurance Explained for 2026
How indexed universal life actually credits interest, why AG 49 limits the illustration you're shown, and when IUL fits a South Dakota household in 2026.
Life Insurance for Self-Employed South Dakotans in 2026
No employer offers you group life insurance, and your income is not a salary. How self-employed South Dakotans should size term coverage in 2026.
What Is a QLAC? Delaying RMDs in South Dakota, 2026
A QLAC is a deferred annuity that can shrink your RMDs after age 73. The 2026 $210,000 limit, the age-85 rule, and the math for South Dakota retirees.
How Much Life Insurance Does Your Farm or Business Need?
Family DIME math skips land, business debt, and buy-sell agreements. How South Dakota farm and small business owners size coverage in 2026.
What Happens to Your SGLI When You Leave the Military?
SGLI ends when you leave the military. How the VGLI and VALife deadlines work, and how South Dakota veterans compare them to private term life in 2026.
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