Independent Insurance Guidance

When coverage matters,
it has to be right.

Medicare, life insurance, and final expense coverage done right โ€” for families, retirees, and individuals across South Dakota and beyond.

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No fees โ€” ever
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Licensed advisors
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Top-rated carriers
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Zero pressure
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500+Families Protected
15+Years of Experience
5Top-Rated Carriers
$0Cost to Work With Us

Coverage built around your life

We don't push products. We listen, then find coverage that fits your situation โ€” from the nation's most trusted carriers.

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Medicare Plans

Medicare alone leaves gaps. We help you find the right supplement or advantage plan so you're never hit with unexpected bills. Our guidance is completely free.

$0 cost to work with us ยท Plans from ~$90โ€“$180/mo
Learn More โ†’
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Term Life Insurance

Protect your family's future at a price that fits your life. A healthy adult can get $250,000 in coverage starting at $15/month โ€” often approved same day.

$15 / month starting ยท $250K example ~$28/mo
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Final Expense

Give your family peace of mind. Final expense coverage ensures they won't face funeral costs or debt when you're gone. No medical exam required.

$30โ€“$50 / month typical ยท $5Kโ€“$35K coverage
Learn More โ†’
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Supplemental Coverage

Fill the gaps before they cost you. Supplemental plans pay cash directly to you for hospital stays, critical illness, or accidents.

Varies Many plans from $20โ€“$50/mo ยท Cash paid to you
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What sets us apart

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Truly Independent

We work for you โ€” not any insurance company. We shop across all our carriers and recommend what genuinely fits your situation, even if it costs less.

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Real People. Real Answers.

No chatbots. No call centers. When you reach Barkman, you speak with a licensed advisor who knows your name and remembers your family.

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We Stay in Your Corner

Our relationship doesn't end at enrollment. We review your coverage every year and keep you updated as your life and needs change.

Trusted carrier partners
โœฆAmerican Amicable
โœฆTransamerica
โœฆGerber Life
โœฆGuaranteed Trust Life
โœฆMutual of Omaha

Real numbers.
No surprises.

Here's what coverage actually costs โ€” not a range so wide it's meaningless.

Term Life Insurance
$15
/ month starting
For healthy adults. Coverage up to $2M+. Your rate never increases.
Real example:
55-yr-old male ยท $250K ยท 20-yr term
โ‰ˆ $28/month
Medicare Supplement
$90โ€“$180
/ month typical
Covers what Medicare doesn't โ€” deductibles, co-pays, and out-of-pocket costs.
Our service fee:
Consultation, enrollment, annual review
$0 โ€” always

Rates vary by age, health, and coverage amount. Get a free quote to see your real number.

Simple. Clear. Done right.

1

Connect

Call, text, or fill out a quick form. Tell us your situation โ€” age, health, budget, and what you need to protect.

2

Review Together

We compare options side-by-side from our top carriers. No jargon. No pressure. Just clear information.

3

Get Covered

Choose your plan and enroll โ€” often same day. We stay with you for annual reviews and anything that comes up.

Stories from real families

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I'd been putting off Medicare for two years because it was so confusing. In one conversation with Barkman, everything made sense. I enrolled the same week.

D
Diane R.Retired teacher ยท Age 67 ยท Aberdeen, SD
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No sales pitch. No pressure. They listened to what I needed, showed me my options, and helped me pick what made the most sense. That kind of honesty is rare.

J
James K.Small business owner ยท Age 61 ยท Sioux Falls, SD

Ready to see what
you qualify for?

A conversation costs nothing. A quote takes minutes. You'll leave knowing exactly where you stand โ€” with zero pressure to do anything else.

605-722-0000 Call or text โ€” we answer Get My Free Quote โ†’
No fees Confidential No obligation