Why Is Life Insurance So Expensive In South Dakota? 
Life insurance premiums are based on the age of the insured persons , their health status , gender , tobacco usage , and the type and amount of the life insurance policies they are purchasing . While a life insurance policy in South Dakota might seem expensive compared to the quotes you hear on TV for short term policies for young persons in perfect health , the rates are higher due to these other factors , and not because you live in South Dakota . To find a less expensive policy in South Dakota , contact an agency that sells a number of companies . You will be able to shop multiple options in one spot and get the most competitive price . 