Protecting Your Loved Ones Is Simple And Easy

Start protecting the ones you love in just minutes.

Starting at under $10 a month.*

*$50,000 / 10-year term policy for a healthy 21-year-old non-smoking male

US Alliance Life Insurance

Life Insurance Explained

Life insurance can help you protect your loved ones

A lump sum payment from a life insurance policy can help your loved ones maintain the lifestyle you have built for them.

Maintain your family’s standard of living

Provide the money required to pay off the mortgage, replace your income, or fund your children’s education.

Use life insurance benefits while you are living

Our whole life insurance policies build cash value that can be used while you are still alive.

Get answers to your questions in minutes!

Contact Our Team

Pay $25 a month and get $250,000 in protection for your family

(*Quote based on a healthy 35-year-old female, non-smoker, for a 30-year term life insurance policy.)

Affordable And Easy


With our simple, quick, and easy application process, you can start protecting your family within minutes.

  • For around $25* per month, you can get $250,000 in life insurance coverage for your loved ones.


  • That money can be used to pay off loans, debts, child care, living expenses, or anything else your family needs.

Life Insurance Coverages At A Glance

Whether you’re looking for the affordability of term insurance, the lifelong protection and cash value of permanent insurance, or a combination of both, we have options to suit you and your budget. You decide what coverage is right for you.

Term Life Insurance

Get coverage for a set length of time as long as you pay your premiums.

Provides a lump sum death benefit.

Most affordable form of life insurance.

Premiums locked in for length of term.

More About Dakota Capital Term Life Insurance

Term life insurance provides coverage for a set period of time to help financially protect your loved ones. You choose the length of the term when you buy the policy. Dakota Capital offers terms of 10, 15, 20, 25, and 30 years. With our policies, the death benefit and the premium stay the same throughout. If you have a term policy and die within the term, your beneficiaries receive a tax-free pay out (under current law).

Whole Life Insurance

Get lifetime coverage as long as you pay your premiums.

Cash value accumulates and creates an asset that can be used during your lifetime.

Pay premiums for only 10 or 20 years.

Accumulator available – combine whole life insurance with a tax-deferred annuity.

About Dakota Capital Whole Life Insurance

Dakota Capital lets you keep your coverage and only pay premiums (which never increase or change) for 10 or 20 years. Your full benefit is available at the time of issue and will be there as long as you make your payments. Once you’ve finished your payments, the coverage is there for the rest of your life and does not expire. We also offer a unique whole life insurance policy that combines cash-value life insurance benefits with a tax-deferred annuity.

Children’s Life Insurance

Children’s life insurance isn’t just another financial product – it is an investment in their future. As parents or grandparents, you focus on providing love, food, shelter, and security to your children or grandchildren. At Dakota Capital, do everything we can to build a brighter future so they can become anything they want to be. A life insurance policy is a great gift that can give your child a financial head start.

Family Life Insurance

Life Insurance Frequently Asked Questions

What is life insurance?

Life insurance is an easy, cost-effective, and reliable way to help protect your loved ones financially. You make payments to Dakota Capital, and if you die, they receive a lump sum payment from us for the face amount of your policy.

How much life insurance can I get?

We offer policies to fit your specific needs. Whether it is $10,000 of coverage or over $10,000,000, you get what you need to protect your family.

Do I need life insurance?

There are many reasons to get life insurance. If you have someone who depends on you for income, you're getting married, having a baby, or you have debt are just a few of these reasons. Even if you are single, you can secure low rates now. You never know when a health condition might arise that will make your rate skyrocket or classify you as uninsurable. This means you will not be able to get life insurance coverage at any price.

How much coverage do I need?

It's important to have enough life insurance coverage to pay off any debts you have, such as a mortgage, and have enough so your loved ones can maintain their lifestyle.

If I already have coverage though work, can I get additional coverage?

Yes, even if you have life insurance coverage through work, you can still get additional coverage with Dakota Capital. It is smart to have your own policy.

How long does it take to get approved for life insurance?

The application process is very simple and only takes a few minutes to complete. Once submitted, if no medical exam is required, an application is processed and completed within a few days. If a medical exam is required, an application typically is approved a few days after you complete the medical exam.

What happens after I apply for life insurance?

Our team of underwriters reviews the application and evaluates your information. If a medical exam is needed, we will work with you to get it scheduled.

Do I need a medical exam to get life insurance?

No! We are able to offer life insurance without a medical exam up to $250,000. For higher coverages, a medical exam will be required.

Do I have to pay for the medical exam?

No, we cover the costs of the medical exam.

Are life insurance death benefits taxed?

Generally, life insurance benefits are not taxed under current law.

I prefer to meet in person when making financial decisions. Is that something you offer?

Absolutely! We will meet with you in person at your home, business, or a place of your choosing. You can give us a call at 1-844-281-8245 or email us at to set an appointment.

Your Next Steps

1. Get a quote

Now is a great time to get an idea of how much coverage will cost (and it’s probably more affordable than you think). Our team is ready to help.

2. Apply in minutes

Once you’ve received your quote, our team will ask you some very simple questions to complete your application. Our goal is to provide you with as much support as you want.

3. Start your coverage

That’s it! You can now focus on your life’s priorities knowing that you are covered and have a direct line to your team. At Dakota Capital, we’ll be there to help you through the process of getting the coverage you need and your family deserves.  

Designed for tomorrow. Available today.

Dakota Capital life insurance, starting at less than $10/mo.

We can help. Find out how.

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