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Articles — page 2

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

Mike Moore, a life insurance advisor, reviewing a benefits document in a bright office with River Navy accent walls

Life Insurance Basics 22 min read

Is Your Employer's Life Insurance Enough? A 2026 SD Guide

Group life through work usually pays one flat amount and ends the day your job does. How to check what you actually have and close the gap in South Dakota.
Mike Moore, a life insurance advisor, standing in a bright office with River Navy accent walls

Seniors and Final Expenses 21 min read

Final Expense Insurance vs. Prepaid Funeral Plans, 2026

Two ways to pay for a funeral ahead of time: life insurance or a prearranged funeral contract. How South Dakota law treats each, with 2026 sources.
Mike Moore, a life insurance advisor, standing in a bright office with River Navy accent walls

Life Insurance Basics 21 min read

Do Empty Nesters Still Need Life Insurance? A 2026 SD Guide

Mortgage paid off, kids grown: many South Dakota empty nesters drop life insurance too soon. The arithmetic to check first, with 2026 numbers.
Mike Moore, a life insurance advisor, standing in a bright office with River Navy accent walls

Families and Parents 20 min read

Does a Stay-at-Home Parent Need Life Insurance? A 2026 Guide

Stay-at-home parents rarely carry life insurance since they draw no paycheck. What replacing that work costs in South Dakota, and how to size a policy.
A retired couple reviewing an immediate income annuity illustration at a kitchen table with the Black Hills visible through the window, representing a Rapid City retirement income decision

Seniors and Final Expenses 23 min read

Immediate Income Annuities: A 2026 Rapid City Guide

An immediate annuity turns a lump sum into guaranteed monthly income right away. How payout, taxes and irrevocability work for South Dakota retirees in 2026.
A fixed indexed annuity illustration open on a wooden desk beside reading glasses, a pen and a cup of coffee in a South Dakota office

Seniors and Final Expenses 21 min read

Fixed Indexed Annuities Explained: A 2026 South Dakota Guide

A fixed indexed annuity credits interest tied to a market index, capped on the way up. How caps, participation rates and surrender charges work in 2026.
Mike Moore, a life insurance and annuity advisor, reviewing a CD renewal notice and an annuity rate sheet with a retired couple at his desk

Seniors and Final Expenses 19 min read

MYGA vs. CD: Which Wins for South Dakota Savers in 2026?

A multi-year guaranteed annuity and a bank CD both promise a fixed rate, but taxes and protection limits work differently. A 2026 South Dakota comparison.
Mike Moore, a life insurance advisor, explaining no-medical-exam life insurance options to a South Dakota client at his desk

Health and Underwriting 20 min read

No-Medical-Exam Life Insurance: How It Works in 2026

No-exam life insurance has three real forms, not one. How accelerated, simplified issue and guaranteed issue coverage actually work, and which fits you.
Mike Moore, a life insurance advisor, reviewing an expiring term life insurance policy document with a South Dakota client at his desk

Life Insurance Basics 21 min read

What Happens When Term Life Insurance Expires in 2026?

Your term policy is ending. Here is what actually happens next: renewal, conversion to permanent coverage, or reapplying, and how to decide.
Mike Moore, a life insurance advisor, reviewing a benefits enrollment folder with a South Dakota client at his desk

Life Insurance Basics 20 min read

What Happens to Your Life Insurance When You Change Jobs?

Group life insurance from work is usually not portable. South Dakota's conversion rules, the 31-day deadline, and what to check before you change jobs.
Mike Moore, a life insurance and annuity advisor, reviewing a retirement income worksheet with a South Dakota couple at his desk

Seniors and Final Expenses 20 min read

Will Your Retirement Savings Last? A South Dakota Guide

Savings can run out, or sit unused out of fear. The 2026 math on withdrawal rates, Social Security timing, and annuity income for South Dakota retirees.
Mike Moore, a life insurance advisor, reviewing a mortgage payoff worksheet with a South Dakota homeowner

Homeowners 20 min read

Mortgage Protection Insurance vs Term Life: Which Is Better?

Mortgage protection insurance pays your lender. Term life pays your family. The real cost and tradeoffs for South Dakota homeowners in 2026.

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