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South Dakota Life Insurance, Annuity, and IRA Exemption

Life Insurance

Not in excess of $20,000 the proceeds of policies of life and health insurance are exempt from creditors.  To view this statute, click here.

The avails of any life and health insurance policy or other sum of money not to exceed $20,000 are likewise exempt.  To view this statute, click here.




Benefits, rights, privileges, and options from annuity contracts are exempt.  This exemption is limited to $250 per month.  To view these statutes, click here and click here.



 IRAs are not exempt.