Blog

Life insurance, current and clear

Timely takes on life-insurance trends, data, and decisions — written for families across Sioux Falls and South Dakota.

Editorial chart illustration titled Credit Life Insurance vs. Term Life, showing a declining staircase of five copper bars under Credit Life Insurance labeled benefit shrinks as the loan is paid down, beneficiary the lender, next to five equal-height evergreen bars under Term Life Insurance labeled benefit stays level for the entire term, beneficiary whoever you choose

Life Insurance Basics · Oct 18, 2026

Credit Life Insurance in South Dakota: A 2026 Guide

Credit life insurance pays off a loan if you die. South Dakota's own pricing rule shows how little of each premium dollar it's actually built to repay.

Read the article →

Editorial illustration of a human silhouette with four softly glowing points at the joints, chest, abdomen and head, in River Navy and copper tones, representing how autoimmune conditions affect different parts of the body

Health and Underwriting Oct 17, 2026 21 min read

Life Insurance With Autoimmune Disease: A 2026 SD Guide

Lupus, RA, MS, and Crohn's don't automatically block life insurance. See what two carriers' 2025-2026 guides say about autoimmune disease in South Dakota.

Editorial illustration of a Sioux Falls, South Dakota home silhouette at dusk beside the falls, with a floating document card showing a simple declining and level coverage line, symbolizing sizing mortgage protection against a real loan balance

Homeowners Oct 16, 2026 21 min read

Mortgage Protection Insurance in Sioux Falls, SD: 2026 Guide

Sioux Falls home prices hit $362,200 in September 2026. Size mortgage protection to your real loan balance, not a guess, and see when term life wins.

Editorial illustration of the South Dakota State Capitol dome in Pierre at dusk beside the Missouri River, with a floating coverage-worksheet card showing a simple bar chart, symbolizing sizing a life insurance target from local numbers

Families and Parents Oct 14, 2026 21 min read

How Much Life Insurance Do Pierre, SD Families Need?

Run the DIME method with Pierre, SD's own income and home-price numbers to find out what life insurance coverage your family actually needs in 2026.

Editorial illustration of an irregular heart-rhythm waveform in River Navy and copper tones, representing atrial fibrillation

Health and Underwriting Oct 8, 2026 20 min read

Life Insurance With AFib: A 2026 South Dakota Guide

AFib doesn't automatically block life insurance. How two carriers' 2025-2026 underwriting guides actually treat atrial fibrillation in South Dakota.

Mike Moore, a life insurance advisor, reviewing a beneficiary designation checklist with a newly married couple at a table in a South Dakota office, with a small vase of flowers and two wedding rings visible on the table

Families and Parents Oct 7, 2026 22 min read

Life Insurance After Marriage: A 2026 South Dakota Checklist

Marriage does not update your life insurance automatically. A 2026 South Dakota checklist for beneficiaries, coverage amounts, and employer plans.

Mike Moore, a life insurance and annuity advisor, reviewing a retirement account withdrawal timeline with an older client at his desk in a South Dakota office

Industry & Trends Oct 6, 2026 23 min read

Inherited an IRA? The New 2026 RMD Rules for South Dakota

The IRS now requires annual withdrawals on most inherited IRAs within 10 years. Here is what that means for South Dakota beneficiaries in 2026.

Mike Moore, a life insurance advisor, sitting at a kitchen table with a Mitchell, South Dakota homeowner couple, reviewing a mortgage statement together

Homeowners Oct 5, 2026 21 min read

Mortgage Protection Insurance in Mitchell, SD: 2026 Guide

Mitchell's median listing price swung from $222,500 to $320,000 in six months in 2026. How to size mortgage protection to your real loan balance.

Mike Moore of Big Sioux Life sitting at a desk with a client reviewing a printed health timeline sheet, calm natural light in a South Dakota office

Health and Underwriting Oct 4, 2026 22 min read

Life Insurance With Epilepsy: A 2026 South Dakota Guide

A seizure disorder diagnosis does not automatically block a life insurance application. How carriers actually underwrite epilepsy, sourced and explained.

Mike Moore of Big Sioux Life sitting at a desk with a client reviewing a short medication and treatment timeline sheet, calm natural light in a South Dakota office

Health and Underwriting Oct 3, 2026 22 min read

Life Insurance With ADHD: A 2026 South Dakota Guide

An ADHD diagnosis or stimulant prescription does not automatically block a life insurance application. How carriers underwrite it, sourced and explained.

Mike Moore of Big Sioux Life sitting at a table with a client reviewing a short, clean financial timeline sheet and a cup of coffee, calm natural light in a South Dakota office

Health and Underwriting Oct 2, 2026 23 min read

Life Insurance After Bankruptcy: 2026 SD Guide

Filing bankruptcy does not automatically disqualify you from life insurance. How South Dakota carriers actually view it in 2026, explained and sourced.

Mike Moore of Big Sioux Life sitting across a table from a man reviewing a life insurance timeline document, with a small desk calendar and a glass of water on the table, soft morning light in a South Dakota office

Health and Underwriting Sep 30, 2026 21 min read

Life Insurance After Bariatric Surgery: 2026 SD Guide

Bariatric surgery does not have to derail a life insurance application. How South Dakota carriers weigh it in 2026, and when to apply, explained and sourced.

Start with a conversation, not a sales pitch.

Tell us what you want to protect, and we will help you understand the coverage options that may fit.

Compare My Options Book a strategy call