Insurance, explained without the jargon.
Articles, checklists, and guides from our team — written for real people, not actuaries.
Quick calculators to size up your coverage.
Get a ballpark in under a minute — then call us to dial it in.
How much life insurance do I need?
A quick estimate using the industry-standard DIME formula — Debt, Income, Mortgage, Education.
Suggested coverage
$1,025,000
Estimate only — actual needs depend on dependents, savings, and existing coverage.
Home replacement cost estimator
A starting estimate for rebuild cost in the Sioux Falls region. Your dwelling limit should be at least this much — not your market value.
Suggested dwelling limit
$330,000 – $379,500
Do I need an umbrella policy?
A 60-second self-check based on your assets and lifestyle risk factors.
Suggested umbrella limit
$1,000,000
Recommended — you have meaningful liability exposure.
Explore umbrella coverageRead up before you reach out.
The Small Business Owner's Guide to a BOP
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