Dakota Quote

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Dakota Quote

DakotaQuote is proud to help people find independent life insurance and income protection options from experienced agents. Through our affiliations and expertise, we find unbiased, competitively priced solutions and follow up with outstanding service. Our agent network is licensed in all 50 states, but we primarily focus on helping people around South Dakota, North Dakota, Minnesota, Iowa, and Nebraska. The companies shown below are some of the carriers we compare and recommend:

Each insurance company prices medical and behavioral risks differently, so we help you save money by navigating you to the company with the most liberal underwriting and best prices for any blemishes on your record or health history. We do not use a one size fits all approach, and we will find a tailored solution that will help you and your family. Whether it is Term Life, Permanent Life, Disability, Long Term Care etc., you will feel confident about the policy you select because you are working with professionals who have helped numerous other individuals with very similar situations.

DakotaQuote first listens to your goals, and then recommends an insurance program to guarantee those goals. Even though our term insurance is attractively priced, sometimes people overlook the potential need of permanent solutions. A DakotaQuote licensed agent may recommend a solution that includes a mix of permanent and term insurance to better suit your needs. We can explain several options, but proper planning can often include a small base layer of permanent protection to guarantee you will always have insurance coverage at a locked in, affordable rate even after the term insurance expires. Our main focus is to make sure your family and goals are fully protected.

We might recommend a competitively priced Non-Medical program if you have not seen a doctor in several years. This could avoid potential rate increases because of undiagnosed high cholesterol, blood pressure, blood-sugar levels, and so forth. If you have a lot of medical history, we can order your medical records and have insurance companies compete for an affordable rate. We can usually find a carrier to insure almost all health risks as long as the applicant is not confined to a nursing home.

If our original quote is not the same as the final offer from the carrier, we find out why it changed (usually abnormal health screening results, or worse health or driving record than initially disclosed), and then perhaps seek a new carrier that might be closer to the original quote. If insurance rates decrease or if your health or needs change down the road, we can offer you an entire new insurance solution, or we may recommend building on your solid insurance foundation. We will always be unbiased and here when you need us.

We encounter clients who have signed up for "Credit Life" coverage. Often times this is extremely limited coverage, which gives a false sense of security. Our agents have met widows who are penniless because of this coverage not paying out after their spouse’s death has occurred. Those plans are usually "Accident Only." However, if a person gets into an accident, and does not die on impact, but passes away from injury complications at a later time, those plans typically will not pay out. More people die from general health complications than car accidents, but car accidents make the news, so people see cheap accident coverage and end up throwing their money away. These plans are not often sold by true insurance specialists. Typically they are sold from somebody that sold them their house, car, or signed them up for a checking account, but the agent also happened to have passed a state insurance exam, so they can tack on other products. Remember, if you have a “policy” simply from adding a check mark on another application, then what you have is a limited accident-only policy that cannot possibly cover most types of death. The only time we recommend those plans is if the client has severe health complications or a felony history, where the cost for real life insurance might not be affordable, but the client still wants some aspect partially protected.

Another mistake people make is relying on their work benefits to take care of their family. Often an employer might provide $10,000+ of life insurance coverage, but workers do not realize most of these plans are not portable. So when they switch their employer or their employer switches benefits, they lose their coverage. It is sad when people are not proactive, and they miss their chance to lock in affordable private rates before health complications arise. Even if you can purchase portable protection from your employer, it is extremely rare that an independent policy through DakotaQuote wouldn’t be cheaper. The employer plans also typically raise their rates every few years, where our private plans would guarantee a locked-in price for as long as you want. The key is to be responsible and lock in coverage before you need it.

The third easy mistake people make is purchasing life insurance through a property and casualty (P&C) agency. These firms typically have captive agents that can only sell through their one company, and primarily focus on home or auto insurance. They simply sell life insurance as an add-on sale. Often times, these companies price their products based on convenience or artificial discounts. This method is similar to buying an overpriced gallon of milk at a gas station instead of the more competitively priced gallon at a grocery store, where the customer at the gas station buys out of convenience and not on price. However, if you are going to pay for something every month for 10, 20, 30 years or longer, why wouldn’t you want a true independent solution that could save you thousands of dollars over the life of the policy? We are specialists, so we can make it extremely convenient to get the best rates. Another strategy these companies use is to knock off a little money on your auto or home insurance by purchasing their overpriced life coverage too. However, request a quote through us and see for yourself how much you will save by going outside of the corner P&C shop. Go with the P&C specialists for your home and auto insurance, but come to us if you want to get the best life coverage and income protection at the best prices.

Please start your free, no obligation, quote request from the "Free Quote" link above.

The best way to get started is to fill out an online quote request. Please make sure all areas are filled in, and we will follow up with you usually the same day you submit it. You can also call us, but we recommend filling out the online questionnaire first because we need that information to accurately give you a quote.

We typically call you and explain your options and pricing over the phone. If you prefer a face-to-face visit, we can often arrange that too.

If you select a plan that does not involve a medical screening exam, we will either mail you the application to sign and send back, or some products can even be applied for directly online. Otherwise, it is common for many programs to involve a free screening that a local testing nurse would call you and schedule a visit at your home, your office, or their office to go through any health questions and medical requirements. Typically, most fully-underwritten plans gather a blood and urine sample. They also would check your blood pressure and verify your height and weight. Most everything can be applied for with or without physical requirements, but sometimes you can have lower prices by taking their physical because the insurance company would more accurately be able to price the risk.

Approval might take less than a week if you do not need a physical with the requirements. However, if your program involves a physical, it can take several weeks to process the results and give you a formal offer. Let us know if you prefer with or without a physical.

Even after the company makes an offer, you do not have to accept it. You are in the driver’s seat the whole time. You do not need to put any money with the application until after you accept a formal policy outlining the guarantees of the policy. Even after you accept the final policy, you always have a “free look” period of typically 10 days or longer (depending on which state you live in) to refund your initial premium if you change your mind for any reason. Many people do however elect to put a an initial refundable deposit with the application equivalent to the first month of premium so they can have a temporary insurance agreement. That agreement basically says that if anything happens to them during the application process, then the insurance company would have to pay a death benefit if the applicant was indeed insurable at the time of the application.

After the process is complete, please share your experience with family, friends, and neighbors. We encourage you to email those people our website address, where they can request any quote that applies to their situation. We pride ourselves on superior service after the coverage begins, and we look forward to a long term friendship.