Which Companies Offer Burial Insurance Plans In South Dakota?
Life insurance is governed and controlled by states rather than the federal government. For that reason, it’s common to see burial policies in the USA vary from state to state. Below is a comprehensive list of providers that offer plans in South Dakota.
How Much Does A Final Expense Policy Cost In South Dakota?
How Does Burial Life Insurance Work?
Final expenses policies are a particular type of whole life insurance that are primarily designed for seniors who want to cover their funeral expenses so as not to leave a burden to their loved ones.
Being a life insurance policy, the insurer will pay out the death benefit as a cash benefit directly to the beneficiaries of your choice. They can use the money for any purpose and get to keep any leftover funds.
The premiums will always remain fixed, and the coverage will not expire at a certain age.
These types of policies never require a medical exam, and approvals are often instant or within a few business days.
Some policies offer no waiting period, which means you’re fully covered the day you make your first payment. To qualify for first-day coverage, you must apply for one that asks questions about your health history.
Conversely, there are policies with no health questions, but they cost more and only refund your premiums if you die within the first two years.
How Much Does A Funeral Cost In South Dakota?
| Service Type | Average Cost |
|---|---|
| Burial Service | $8,755 |
| Direct Burial (No Service) | $4,926 |
| Cremation Service | $6,713 |
| Direct Cremation (No Service) | $1,911 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
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Your preferences heavily influence funeral costs. Funeral cost calculators can help you accurately evaluate what your funeral will likely cost.
The Free Look Period In South Dakota And The FTC Funeral Rule
In South Dakota, life insurance policies have a ten-day free look period. During the free look period, you have the right to cancel a policy (for any reason), and the insurance company must refund you any premiums you’ve paid.
The FTC Funeral Rule is not a South Dakota-specific law, but it is very helpful for those who are planning a funeral. This law requires funeral homes to adhere to various principles such as:
Allow consumers to buy products from other funeral providers. For example, you can purchase a casket or urn online and have it shipped to the funeral home, which must accept it and cannot charge an additional fee.
Provide clearly written prices for all products and services prior to payment.
Allow consumers to pick only the products and services they want instead of having to settle for pre-packed funerals.
- Nationally licensed life insurance agent with over 15 years of experience
- Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.
Anthony Martin is a nationally licensed insurance expert with over 15 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.
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NFDA General Price List Study. https://nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral
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Funeralocity. https://www.funeralocity.com/average-funeral-price
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ten-day free look period. https://sdlegislature.gov/Statutes/58-15-8.1
- Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 10/01/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (10/01/2024-10/01/2025).
- Data sourced from 2023 NFDA General Price List Study.
