The top-rated life insurance agent in Watertown, South Dakota is Phillip Matthews - State Farm Insurance Agent, rated 5.0 stars across 362 reviews. Other highly rated options include Meyer Insurance, Bill Speier - State Farm Insurance Agent, KRANZ INSURANCE - Watertown Insurance LLC. This directory lists 20 life insurance agents serving Watertown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Phillip Matthews - State Farm Insurance Agent | 208 E Kemp Ave #2 | (605) 882-1252 |
| 2 | Meyer Insurance | 1933 Willow Creek Dr | (605) 753-5698 |
| 3 | Bill Speier - State Farm Insurance Agent | 314 4th St NE | (605) 882-4578 |
| 4 | KRANZ INSURANCE - Watertown Insurance LLC | 521 10th St NW | (605) 886-4200 |
| 5 | Wishard Insurance | 922 W Kemp Ave | (605) 882-5773 |
| 6 | Lynn Jurrens American Family Insurance | 306 9th Ave SE | (605) 886-8240 |
| 7 | Schulz Insurance | 24 N Broadway | (605) 886-1525 |
| 8 | Glacial Lakes Insurance Inc. | 1505 10th Ave SE #2 | (605) 956-3445 |
| 9 | Puthoff Insurance Agency-Watertown | 1608 9th Ave SW | (605) 886-9319 |
| 10 | Leavitt Heartland Insurance | 812 10th St SW | (605) 882-1688 |
Phillip Matthews - State Farm Insurance Agent in Watertown, SD, provides a range of life insurance services designed to help individuals plan for their family’s financial future. This agent offers term and whole life policies, with service plans that include periodic policy reviews to adjust coverage as client needs change. Maintenance support is available for beneficiaries needing assistance with claims and policy administration. The life insurance services provided cater to homeowners, renters, single-family residences, apartment dwellers, retail operators, and restaurant owners.
Meyer Insurance serves the Watertown, South Dakota area as a life insurance agent. This company assists local residents in navigating their insurance options to secure financial protection for loved ones. It helps clients evaluate different policy types based on individual needs and long-term goals. Policyholders can receive ongoing support for adjustments or policy reviews as their life circumstances change. The agency also handles final expense planning and term life insurance arrangements for families in this community.
Homeowners, business owners, and property managers in Watertown, SD, can turn to Bill Speier - State Farm Insurance Agent for life insurance policies that provide financial protection for families and entities. The agency assists with term life, whole life, and universal life plans, helping clients secure coverage suited to their long-term needs. Consultations focus on assessing individual risks and selecting appropriate benefit levels. The agent’s office also serves clients in the surrounding Codington County area, including the community of Lake Kampeska.
KRANZ INSURANCE - Watertown Insurance LLC serves the Watertown, South Dakota area and surrounding communities. The local life insurance agency handles policies designed to provide financial protection for individuals and families. It works with term life and permanent life insurance options to match different client needs. The firm generally begins each relationship by reviewing a client's personal situation, long-term goals, and budget before recommending appropriate coverage from available plans. This careful assessment process ensures the selected policy fits the client's expected timeline and financial objectives.
For life insurance, clients may need a single policy to cover a specific period or a permanent plan that provides lifelong protection. Wishard Insurance in Watertown, SD helps individuals and families select suitable coverage for final expenses, income replacement, or mortgage protection. As a local life insurance agent, this agency guides customers through the application process and explains policy options for their financial goals. Services are available on a one-time or as-needed basis for new policies, with ongoing support for existing clients.
Lynn Jurrens American Family Insurance specializes in life insurance products, including term, whole, and universal life policies. The agency also provides general insurance services such as auto, home, and business coverage to residents of Watertown, SD. As a local life insurance agent, the agency helps clients assess coverage needs based on family income, debts, and long-term goals. When the seasons change and winter travel approaches, the agency assists policyholders with reviewing coverage for rental cars or trip interruptions to ensure peace of mind on the road.
As winter approaches in Watertown, many families start reviewing financial protections. Schulz Insurance provides life insurance agent services tailored to safeguarding households against sudden loss of income. Policies from this agency help cover funeral costs and outstanding debts while preserving future plans for children. The agent assesses each client’s specific coverage needs, considering current family obligations and long-term savings goals. An initial consultation begins with a full review of personal circumstances to determine appropriate benefit amounts. This assessment typically includes an inspection of existing policies and a discussion of lifestyle factors.
Glacial Lakes Insurance Inc. works with individuals and families in Watertown, South Dakota, to arrange life insurance coverage that helps protect against financial hardship. The company specializes in matching clients with suitable policy types, whether term or permanent. It supports financial planning for long-term needs such as income replacement or final expenses. Glacial Lakes Insurance Inc. can serve the insurance requirements of commercial sectors as well, including local offices, warehouses, and food service establishments.
As a life insurance agent, Puthoff Insurance Agency-Watertown serves residents in Watertown, South Dakota, helping them secure financial protection for their families. Commercial insurance needs for local businesses are also addressed, with coverage solutions tailored to various industries throughout the greater Watertown area. The agency provides ongoing support by reviewing policies and adjusting coverage during scheduled follow-up visits, ensuring clients receive continued service between regular check-ins.
Leavitt Heartland Insurance in Watertown, SD, is known for helping individuals and families navigate life insurance options to protect their financial futures. The agency assists clients in selecting policies that provide income replacement and debt coverage. Plans can be tailored to meet diverse needs, such as funding final expenses or supporting long-term beneficiaries. A specialty service this agency can add on is offering whole life insurance policies, which accumulate cash value over time for added flexibility.
What Does a a Life Insurance Agent in Watertown Cost?
Typical life insurance costs in South Dakota vary by age health and policy type. A healthy 35-year-old might pay 25 to 50 dollars per month for a 20-year term policy with 500,000 dollars in coverage. Whole life policies often cost 200 to 500 dollars per month for similar coverage. South Dakota has no state premium tax on life insurance which can keep rates slightly lower. This is general information not insurance advice.
About life insurance agents in Watertown
Life insurance agents in Watertown South Dakota help residents choose term life whole life or universal life policies. South Dakota law requires agents to be licensed by the Division of Insurance and follow strict disclosure rules. Local agents can explain how state regulations affect policy benefits and premiums.
Frequently Asked Questions
What license does a life insurance agent need in Watertown South Dakota?
Agents must hold a valid South Dakota life insurance producer license. They complete pre-licensing education and pass a state exam. The South Dakota Division of Insurance oversees all licensing and renewals.
How long does it take to get a life insurance policy in Watertown?
Most policies are issued within 30 to 60 days after application. Underwriting may take longer for applicants with health conditions. South Dakota law allows a 10-day free look period after you receive the policy.
Are life insurance benefits taxable in South Dakota?
Life insurance death benefits are generally not subject to South Dakota state income tax. Federal estate tax may apply if the total estate exceeds federal exemption limits. Consult a tax professional for your specific situation.