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Find Life Insurance Agents Near You in Watertown, SD

Browse life insurance agents serving Watertown, South Dakota. Updated 2026-07-14.

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.

Showing 20 life insurance agents in Watertown, SDListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Phillip Matthews - State Farm Insurance Agent208 E Kemp Ave #2(605) 882-1252
2Meyer Insurance1933 Willow Creek Dr(605) 753-5698
3Bill Speier - State Farm Insurance Agent314 4th St NE(605) 882-4578
4KRANZ INSURANCE - Watertown Insurance LLC521 10th St NW(605) 886-4200
5Wishard Insurance922 W Kemp Ave(605) 882-5773
6Lynn Jurrens American Family Insurance306 9th Ave SE(605) 886-8240
7Schulz Insurance24 N Broadway(605) 886-1525
8Glacial Lakes Insurance Inc.1505 10th Ave SE #2(605) 956-3445
9Puthoff Insurance Agency-Watertown1608 9th Ave SW(605) 886-9319
10Leavitt Heartland Insurance812 10th St SW(605) 882-1688
PM
208 E Kemp Ave #2
Phillip Matthews - State Farm Insurance Agent
Life Insurance Agent · Watertown, SD

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.

MI
1933 Willow Creek Dr
Meyer Insurance
Life Insurance Agent · Watertown, SD

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.

BS
314 4th St NE
Bill Speier - State Farm Insurance Agent
Life Insurance Agent · Watertown, SD

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.

KI
521 10th St NW
KRANZ INSURANCE - Watertown Insurance LLC
Life Insurance Agent · Watertown, SD

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.

WI
922 W Kemp Ave
Wishard Insurance
Life Insurance Agent · Watertown, SD

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.

LJ
306 9th Ave SE
Lynn Jurrens American Family Insurance
Life Insurance Agent · Watertown, SD

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.

SI
24 N Broadway
Schulz Insurance
Life Insurance Agent · Watertown, SD

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.

GL
1505 10th Ave SE #2
Glacial Lakes Insurance Inc.
Life Insurance Agent · Watertown, SD

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.

PI
1608 9th Ave SW
Puthoff Insurance Agency-Watertown
Life Insurance Agent · Watertown, SD

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.

LH
812 10th St SW
Leavitt Heartland Insurance
Life Insurance Agent · Watertown, SD

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.

HI
804 2nd St SE
Heaton Insurance Agency
Life Insurance Agent · Watertown, SD
(605) 878-2111
FI
1505 9th Ave SE Ste B
Farmers Insurance - Pat Shriver
Life Insurance Agent · Watertown, SD
(605) 882-2806
agents.farmers.com/sd/watertown/pat-shriver
AW
12 5th St NE
Acrisure Watertown, SD (Fischer Rounds & Associates)
Life Insurance Agent · Watertown, SD
(605) 886-4361
acrisure.com
WI
1600 4th St NE
World Insurance Associates LLC
Life Insurance Agent · Watertown, SD
(605) 886-9719
locations.worldinsurance.com/american-trust-insurance-a-division-of-world-bbe3c05412f7
FI
922 W Kemp Ave
Farmers Insurance - Toby Wishard
Life Insurance Agent · Watertown, SD
(605) 882-5773
agents.farmers.com/sd/watertown/toby-wishard
BI
1414 9th Ave SE A
Brueggeman Insurance
Life Insurance Agent · Watertown, SD
(605) 886-9043
brueggemaninsurance.com
NY
208 9th Ave SE
New York Life-Melissa Anderson
Life Insurance Agent · Watertown, SD
(605) 878-2090
newyorklife.com
FU
814 10th St SW
Farmers Union Insurance - Nichols Insurance Agency
Life Insurance Agent · Watertown, SD
(605) 886-9683
FB
414 10th St NW
Farm Bureau Financial Services: Dane Stahl
Life Insurance Agent · Watertown, SD
(605) 954-7970
fbfs.com/find-an-agent/danestahl
FM
1401 4th St NE
First MainStreet Insurance at Reliabank
Life Insurance Agent · Watertown, SD
(605) 886-5101
firstmainstreetatreliabank.com

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.

Life Insurance Agents in Other South Dakota Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each life insurance agent's credentials and current standing with your state Department of Insurance.