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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.
Life Insurance With a High BMI: A 2026 South Dakota Guide
A high BMI rarely means an automatic decline. How carriers actually evaluate weight and build in 2026, with South Dakota's own obesity data explained.
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What to Expect at a Life Insurance Medical Exam in 2026
The blood draw, the fasting rules, and what results actually mean for your rate: a plain-English walk-through for South Dakota applicants in 2026.
Life Insurance With HIV: A 2026 South Dakota Guide
An HIV diagnosis no longer means an automatic decline. How carriers underwrite HIV in 2026, and the South Dakota protections that apply.
What Happens to Your Annuity When You Die? 2026 SD Guide
An annuity passes outside probate to your named beneficiary, but federal law sets the payout timeline. How South Dakota beneficiaries get paid in 2026.
Cosigned Student Loans and Life Insurance: A 2026 Guide
Federal student loans discharge tax-free at death. Private loans and cosigners work differently under 2026 law. A South Dakota guide to closing the real gap.
Blended Family Life Insurance Beneficiaries: A 2026 SD Guide
South Dakota's default rules exclude stepchildren from the legal word child. What that means for naming beneficiaries in a blended family, sourced for 2026.
Life Insurance for Unmarried Couples in South Dakota (2026)
In South Dakota, an unmarried partner isn't a legal heir. A co-owned home defaults to tenancy in common: what that means for your mortgage, and how to fix it.
Buy-Sell Life Insurance After Connelly: A 2026 SD Guide
The Connelly ruling changed what buy-sell life insurance does to a company's estate value. What South Dakota business owners should check in 2026.
Annuity Surrender Charges: What They Really Cost in 2026
Annuity surrender charges can cost thousands if you withdraw early. How they work, what South Dakota requires agents to disclose, and how to avoid one.
Life Insurance Beneficiaries After Divorce: SD Law in 2026
South Dakota law revokes your ex as beneficiary at divorce, but insurers can still pay them if nobody sends written notice. How SDCL 29A-2-804 works in 2026.
Naming a Minor Life Insurance Beneficiary: 2026 SD Guide
A minor named as your life insurance beneficiary in South Dakota can't receive the payout directly. Here's what SD law actually requires instead, in 2026.
Life Insurance With a DUI: A 2026 South Dakota Guide
A DUI does not automatically block a life insurance policy. How carriers classify DUIs and alcohol history, and what the lookback actually changes in 2026.
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