Need LIFE INSURANCE?
Don't worry — we've got a policy for that. We've done the hard work for you by assembling the best plans from multiple different carriers.
Schedule a CallGroup Health Insurance
Plans for teams of any size, compared across multiple carriers.
Learn More →Supplemental Coverage Plans
Extra protection for accidents, illness, or hospital stays.
Learn More →Don't Worry! We've A Policy For That!
We've done the hard work for you, by assembling the best plans from multiple different carriers.
Schedule a CallWho We Help
Coverage For Every Stage of Life
Health & life coverage that fits your household
We compare individual and family health plans across multiple carriers, including ACA/Marketplace options, plus term, whole, and index universal life policies — so you get coverage sized to your actual budget, not a one-size-fits-all quote.
Explore Life Insurance
Group benefits that help you compete for talent
From level-funded group health plans to the CHAMP Plan's payroll tax savings, we help small business owners offer real benefits without the unpredictable costs of a fully-insured or self-insured plan.
Explore Group Health
Supplemental protection as your needs shift
Heart, cancer, and accident coverage, plus home healthcare and short-term care plans — built for the expenses that traditional health insurance leaves you to cover on your own.
Explore Supplemental PlansClient Feedback
What Clients Say
"Dillon explains the Mortgage-Free Life strategy clearly and thoughtfully. He's a great listener, sets realistic expectations, and is very intentional in how he implements the strategy."
"100% most knowledgeable professional I've met in this industry. No-nonsense, straight to the point and determined to provide the best solution for your family and business."
"They took the time to understand my needs and helped me find the right coverage at a price that fit my budget. The team was knowledgeable, friendly, and made everything easy to understand."
"Dillon is great to work with and I paid my home off in 3 years using the Mortgage Free Life system."
"Shawn was very knowledgeable. He was patient with all of my silly questions. I find that rare and refreshing in a salesperson. I would recommend Shawn to anyone looking for insurance."
About DK Insurance
Independent. Objective. On your side.
DK Insurance offers a wide range of products to individuals and groups — including Group Health Insurance and Supplemental Plans such as Heart, Accidental Injury or Death, and Cancer coverage. These plans provide additional coverage to help individuals pay for unexpected medical expenses not covered by their primary health insurance.
Overall, DK Insurance provides a range of insurance options to help individuals and groups protect themselves financially against various risks.
Get Started
Need Help? Book A Call At A Time To Suit Your Schedule
Need assistance with your insurance needs? Schedule a call with us at a time that works best for you.
Book a CallInsurance, the way it should be.
Straightforward advice. Real options. No pressure.
Schedule a CallDK Insurance was built on a simple idea — insurance shopping shouldn't feel confusing or high-pressure. Based in Sioux City, Iowa, we work with individuals, families, and small business owners to find coverage that actually fits their needs and budget.
Because we're independent, we're not limited to one insurance company. We compare plans across multiple carriers and give you an honest look at your options, so you can make the decision that's right for you.
Our Approach
How we work
Education First
We explain your options in plain language before we ever talk numbers.
Objective Comparisons
We work with multiple carriers, so the recommendation is about your needs, not our quota.
Long-Term Relationships
We're here after enrollment too — for renewals, questions, and changes in your coverage needs.
Let's find the coverage that's right for you.
Schedule a CallGroup Health Insurance
Schedule a CallHealthcare Coverage Crisis in the United States
Businesses Deserve Better Options
Businesses across the United States face various challenges in the healthcare industry as they endeavor to provide their employees and families with top-notch, cost-effective coverage.
Since 2000, premiums for health insurance have risen by 114% for a typical family of four. Constantly changing regulations and taxes make it harder for employers to plan ahead, and poor employee health leads to lower productivity, more absences, and higher costs. Many executives resort to short-term cost-cutting — reducing benefits, raising deductibles, cutting budgets. Companies that introduce wellness programs, by contrast, save an average of $700 annually per employee.
What We Do & How It Works
Three Ways to Structure Your Plan
Fully Insured Plans
- Guaranteed acceptance — all employees are approved regardless of health
- Insurer takes on "blind risk," which often results in extremely high deductible plans
- Even with employer contributions, spouses and children are often left with unaffordable monthly costs
Self Insured Plans
- Employers operate and provide their own health plan instead of buying from a carrier
- Exposes the company to much larger risk if more claims than expected must be paid
- Lack of predictability — cost fluctuations can strain cash flow
Level Funding Plans
- Predictable costs — a fixed monthly amount makes budgeting easier
- Customizable benefits, coverage levels, copays, and deductibles
- Potential return of premium if claims are lower than what was paid in
- Transparent reporting on exactly where your money goes
- Protection against catastrophic claims via a yearly cap
Book A Call At A Time To Suit Your Schedule
Not quite sure yet? Why not visit our contact page — we'd love to chat with you!
Schedule a CallWant To Save Big On Payroll Taxes?
While offering more benefits & increased take-home pay.
Schedule a CallWhat We Do & How It Works
The CHAMP Plan
The CHAMP Plan remedies two of the most important concerns for employees: Take-Home Pay and Benefits.
Employee Benefits
$30–$300 a Month Increase in Take-Home Pay
- Unlimited primary care doctor / urgent care visits (employee only)
- Unlimited generic prescriptions* (employee plus family)
- Unlimited telemedicine and mental health (employee plus family)
- 100% preventative care (employee only)
- Personal health manager (employee only)
Employer Benefits
$573.60 in Tax Savings Annually per Enrolled Employee
- Employers operate and provide their own health plan instead of purchasing a fully-insured plan from a carrier
- Reduced usage of primary care resulting in future savings — use CHAMP first
- Happier & healthier employees and their families
- Recruit & retain highly valued employees
- No burden to HR — we enroll everyone
Why CHAMP?
The Section 125 Advantage
Participating in a 125 Cafeteria plan reduces an employee's taxable salary, increasing their income with additional benefits.
Every dollar put through the Section 125 plan reduces an employer's payroll by reducing their tax liability — effectively eliminating the matching FICA taxes of 7.65%.
Employer savings start in the second month.
Book A Call At A Time To Suit Your Schedule
Not quite sure yet? Why not visit our contact page — we'd love to chat with you!
Schedule a CallLife is unpredictable, but your peace of mind doesn't have to be. At DK Insurance, we offer a variety of life insurance plans tailored to meet the unique needs of you and your family. Whether you're looking for temporary coverage, long-term security, or a policy that grows with you, we have options designed to provide you with confidence and clarity.
Which Plan Is Right For You?
Life Insurance Options
Term Life Insurance
Whole Life Insurance
Index Universal Life (IUL)
Final Expense Insurance
Why DK Insurance
Why Choose Us?
Tailored Solutions
We work with you to find the life insurance plan that fits your needs, budget, and goals.
Expert Guidance
Our experienced team simplifies the process, answers your questions, and supports you every step of the way.
Client-Centered Focus
We represent a variety of carriers, ensuring your best interests come first — not the insurance company's.
Book A Call At A Time To Suit Your Schedule
Not quite sure yet? Why not visit our contact page — we'd love to chat with you!
Schedule a CallIndividual and Family ACA/Marketplace Insurance
Schedule a CallWe understand the significance of health coverage for you and your loved ones. Our mission is to provide you with clear information, personalized assistance, and a range of options to ensure you make the best decisions for your healthcare needs.
What Is The ACA Marketplace?
A Quick Guide To How It Works
The ACA Marketplace — also called the Health Insurance Marketplace — is where individuals and families who don't get coverage through an employer can shop for and enroll in health insurance plans. Every plan on the Marketplace covers the same set of essential benefits, including doctor visits, hospital care, prescription drugs, and preventive care, so you're comparing real apples to apples — not guessing what's actually covered.
Plans are grouped into metal tiers — Bronze, Silver, Gold, and Platinum — which tell you how the costs are split between your monthly premium and what you pay out of pocket when you actually use care. Bronze plans have the lowest premiums but the highest costs when you need care; Platinum plans work the opposite way. There's no single "best" tier — the right one depends on how often you expect to use care and what you can comfortably budget month to month.
Lowering Your Cost
You May Qualify For A Subsidy
Here's the part most people don't realize: if your household income falls under 400% of the Federal Poverty Level (FPL), you may qualify for a federal subsidy — officially called the premium tax credit — that goes directly toward your monthly premium. For a lot of families, that drastically reduces the actual price of a Marketplace plan compared to the "sticker price" you'd see on your own.
The subsidy amount depends on your household size and income, and it's applied automatically when you enroll through the Marketplace — you don't have to do anything extra to claim it. Even households above 400% FPL can sometimes qualify, depending on the year's rules, so it's worth checking your specific numbers rather than assuming you don't qualify.
We can walk through your household size and income with you, check what subsidy you may qualify for, and show you what your actual monthly cost would look like across a few different plans — all in plain language, no obligation.
Why Choose Marketplace Insurance?
Coverage That Fits Your Life
Affordability
Cost-effective options that fit within your budget, while still offering comprehensive coverage.
Choice
A diverse range of plans so you get the coverage you actually need — without paying for extras.
Quality Coverage
Plans that adhere to rigorous quality standards, backed by a network of trusted healthcare providers.
How We Help You
Support at Every Step
Personalized Guidance
We understand your healthcare needs, budget, and preferences, guiding you toward the most suitable plan.
Enrollment Support
We simplify the enrollment process, ensuring your application is complete and accurate to avoid delays.
Ongoing Support
Our commitment doesn't end at enrollment — we're here for any questions throughout your policy's life.
Book A Call At A Time To Suit Your Schedule
Not quite sure yet? Why not visit our contact page — we'd love to chat with you!
Schedule a CallPlan Overview
VL $500 / $1,000 Deductible Plan
Our Nationwide PPO option gives you access to the PHCS PPO network — one of the largest PPO networks in the country — so you can see the doctors and hospitals you already trust, wherever you happen to be. It's built around low, predictable copays instead of surprise bills after the fact.
The Basics
Deductible & Out-of-Pocket Maximum
| Individual | Family | |
|---|---|---|
| Deductible | $500 | $1,000 |
| Out-of-Pocket Maximum | $10,600 | $21,200 |
Out-of-pocket maximum covers accumulated deductible and copays. For services beyond the plan's built-in visit limits, out-of-pocket costs are unlimited — so it's worth understanding the visit caps on each benefit below before you enroll.
Everyday Care
Office Visits & Common Services
Physician & Office Visits
$50 Copay After Deductible
- Primary care, specialist, and urgent care visits — 10 visits/year combined maximum
- Chiropractic care — 12 visits/year maximum
- In-office surgery included
Telemedicine
$0 Copay · Unlimited Visits
- Primary care, urgent care, and behavioral health through OurLiveDoc
- Call 940-LIVE-DOC (940-548-3362) to get started
- No deductible applies
Labs, X-Rays & Imaging
$25–$200 Copay After Deductible
- Labs: $25 copay — 3 in-office + 3 outpatient per year
- X-rays: $50 copay — 3 per year
- Advanced imaging (CT/PET/MRI/MRA): $200 copay — 3 per year, precertification required
Preventive Care
$0 Copay · $0 Deductible
- Annual wellness exams
- Routine labs and immunizations
- Cancer screenings, mammograms, colonoscopies, and more
When You Need More Care
Emergency, Outpatient & Hospital Care
| Service | Your Copay |
|---|---|
| ER — Accident-Related (2 visits/yr) | $500 After Deductible |
| ER — Sickness-Related (2 visits/yr) | $750 After Deductible |
| Ambulance — Ground | $250 After Deductible |
| Ambulance — Air | $1,000 After Deductible |
| Outpatient Surgery (3/yr) | $250 per Service After Deductible |
| Infusions/Chemo/Radiation (10 visits/yr combined) | $100 per Visit After Deductible |
| Inpatient Hospital Admission (10 days, 3 admissions/yr) | $1,000 per Admission After Deductible |
| Inpatient Surgery (2/yr) | $1,000 per Surgery After Deductible |
| Maternity & Routine Delivery | $500 After Deductible |
| Home Health Care (10 days/yr) | $50 per Visit After Deductible |
| Skilled Nursing Facility (10 days/yr) | $50 per Day After Deductible |
| Hospice Care (30 days lifetime) | $0 After Deductible |
| Therapy — PT/OT/Speech/Cardiac (16 visits/yr combined) | $50 per Visit After Deductible |
| DME & Medical Supplies (5 items/period) | $50 per Item After Deductible |
| Prosthetics (1 item/yr) | $500 per Item After Deductible |
| Dialysis / Organ Transplant | Not Covered |
Most hospital and outpatient services require precertification — that just means getting the visit approved ahead of time. Emergencies are always covered, but do need authorization within 48 hours after the fact.
What's Covered & What Isn't
Coverage At A Glance
Generally covered (limitations may apply — this isn't a complete list):
- Annual Lab & X-Ray Tests
- Cancer Screenings & Colonoscopies
- Diabetic Supply
- Immunizations
- Telemedicine
- Urgent Care & Office Visits
- Well Baby Care
- Wellness Visits
Generally not covered:
- Acupuncture
- Children's Dental Check-Up
- Children's Glasses & Eye Exam
- Dialysis
- Biofeedback
- Organ Transplant Services
Prescriptions
Prescription Drug Coverage
| Drug Type | Your Cost |
|---|---|
| Preventive Medicine (Generic or Brand) | $0 Copay |
| Generic — Maintenance / Urgent Care | $0 Copay |
| Preferred / Non-Preferred Brand | Patient Assistance Plans Available |
| Specialty Drugs | Patient Assistance Plans Available |
Prescriptions are managed through ProAct, available 24/7/365 at 1-888-250-8032 or secure.proactrx.com. Mail order is required for maintenance medications after your initial 30-day supply.
How Much Does It Cost?
Monthly Premiums by Age Band
| Coverage | PHCS Network |
|---|---|
| Employee | $329.00 |
| Employee + Spouse | $658.00 |
| Employee + Child(ren) | $648.00 |
| Family | $905.00 |
| Coverage | PHCS Network |
|---|---|
| Employee | $390.00 |
| Employee + Spouse | $699.00 |
| Employee + Child(ren) | $689.00 |
| Family | $967.00 |
| Coverage | PHCS Network |
|---|---|
| Employee | $421.00 |
| Employee + Spouse | $741.00 |
| Employee + Child(ren) | $730.00 |
| Family | $1,019.00 |
| Coverage | PHCS Network |
|---|---|
| Employee | $473.00 |
| Employee + Spouse | $761.00 |
| Employee + Child(ren) | $741.00 |
| Family | $1,060.00 |
Fine Print
A Few Important Notes
- Failure to obtain required precertification may result in a 50% reduction of allowed charges or denial of the claim.
- Elective surgery isn't covered for the first 90 days of coverage.
- True emergencies are always covered at the nearest ER, with no out-of-network penalty or denial.
- If authorization is required for an emergency admission, there's a 48-hour (or next business day) grace period.
- This plan is underwritten by Benefit Re, Inc. (NAIC #17459) and not by any network.
This page describes the plan in a general, easy-to-understand way and isn't a substitute for the official plan document or Summary Plan Description, which contains the complete and exact terms. Rates shown are effective as of January 1, 2026, and it's not to be considered a policy of insurance on its own.
Book A Call At A Time To Suit Your Schedule
Schedule a CallThe Affordable Choice
Schedule a CallThe Right Plan for the Right Times
Stability When You Need It Most
The healthcare landscape has been anything but stable over the past five years. Our Classic and Elite plans offer stability — affordable, accessible, and flexible.
- Affordability — choose from two plan options; find the one that fits your budget
- Accessibility — only a few medical questions are on the application
- Flexibility — keep your own doctors; choose individual or family coverage with network discounts
Affordable Choice
What's Included
Unlike traditional health insurance plans, our plans pay a fixed price for a particular service, regardless of what your provider charges. Cash is paid to you or your provider if you assign the benefits.
- Inpatient Benefits
- Hospital Admission Benefit
- Surgical Benefits
- Doctor's Office Visit
- Outpatient Medical Benefits
- Emergency or Urgent Care
- $2,000,000 Over Your Lifetime
- Discount Pharmacy Card
- Teladoc & Karis 360
- No Deductibles
- Hospital Admission Benefit for First Inpatient Day
- Cancer Benefit Included
How Much Does It Cost?
Affordable Choice Monthly Premiums
| Plan | Elite Plus | Elite | Classic Plus | Classic |
|---|---|---|---|---|
| Individual | $162.97 | $118.78 | $95.85 | $67.16 |
| Individual and Spouse* | $319.05 | $230.64 | $184.78 | $127.36 |
| Individual and Child(ren) | $352.17 | $247.81 | $193.71 | $134.10 |
| Individual and Family** | $534.09 | $377.29 | $296.00 | $203.45 |
| Plan | Elite Plus | Elite | Classic Plus | Classic |
|---|---|---|---|---|
| Individual | $204.01 | $148.71 | $117.21 | $83.48 |
| Individual and Spouse* | $401.18 | $290.56 | $227.56 | $160.05 |
| Individual and Child(ren) | $393.22 | $277.75 | $215.08 | $150.43 |
| Individual and Family** | $616.08 | $437.11 | $338.69 | $236.07 |
| Plan | Elite Plus | Elite | Classic Plus | Classic |
|---|---|---|---|---|
| Individual | $241.66 | $176.50 | $136.82 | $98.60 |
| Individual and Spouse* | $476.30 | $345.98 | $266.60 | $190.17 |
| Individual and Child(ren) | $430.86 | $305.54 | $234.68 | $165.54 |
| Individual and Family** | $691.35 | $492.65 | $377.85 | $266.27 |
| Plan | Elite Plus | Elite | Classic Plus | Classic |
|---|---|---|---|---|
| Individual | $339.67 | $249.89 | $187.70 | $138.31 |
| Individual and Spouse* | $672.38 | $492.82 | $368.44 | $269.64 |
| Individual and Child(ren) | $528.90 | $378.95 | $285.58 | $205.27 |
| Individual and Family** | $616.08 | $437.11 | $338.69 | $236.07 |
| Child Only*** | $172.21 | $117.46 | $89.13 | $60.97 |
Book A Call At A Time To Suit Your Schedule
Schedule a CallFind the Perfect Plan for You
Choose peace of mind for you and your loved ones with these supplemental plans.
Schedule a CallHeart Attack, Heart Disease & Stroke
These events can be expensive — total costs exceed $351 billion in the U.S. Most people are surprised their largest expenses aren't medical, but the indirect costs health insurance doesn't cover.
Schedule a Call →Supplemental Cancer Coverage
More than 6 in 10 people with cancer survive — but cancer can total more than $226 billion in costs nationally, much of it in indirect expenses not covered by health insurance.
Schedule a Call →Accidental Injuries & Death
Accidents can be expensive, totaling more than $1 trillion in the U.S. Most people are surprised the largest expenses are indirect costs health insurance doesn't cover.
Schedule a Call →Dental, Vision & Hearing Coverage
DVH coverage helps manage the costs of maintaining oral health, preserving clear vision, and addressing hearing concerns.
Schedule a Call →Home Healthcare Coverage
An economical solution granting flexibility and financial assistance for recuperating at home, surrounded by loved ones, with multiple maximum benefit options.
Schedule a Call →Short-Term Care Coverage
An affordable, flexible, simplified-underwriting plan that helps individuals facing physical challenges from an injury, illness, or unexpected medical condition.
Schedule a Call →Heart Attacks, Heart Disease, and Strokes are the cause of 1 of every 3 deaths in the United States.
Cancer will affect 6 in 10 people and 3 out of 4 families.
Accidental Injuries and Death can occur in the home, on the job, and to your children.
Protect Yourself and Your Loved Ones From the Unexpected
Schedule a CallLive a Mortgage-Free Life With Our Proven Strategy
Pay off your mortgage faster, save thousands in interest, and build a tax-advantaged retirement income.
Get StartedAre you tired of the traditional 15 to 30-year mortgage cycle that keeps you paying interest for decades? Imagine paying off your mortgage in 5 to 7 years, saving hundreds of thousands of dollars in interest, and creating a solid foundation for a tax-advantaged retirement income.
How The Strategy Works
Break Free From Traditional Mortgages
Most homeowners take out a 15 to 30-year mortgage, deposit their income into a checking account, and pay monthly expenses directly from it — leaving them stuck in a cycle of long-term debt and high-interest payments. There's a smarter way.
Case study — Chris and Annette: a couple with a combined monthly income of $10,000 and monthly expenses of $5,000. Their home is worth $330,000, and they owe $260,000 on their mortgage.
Implement the Mortgage-Free Loan
They restructure their existing mortgage into a mortgage-free loan setup, replacing the traditional fixed structure.
Leverage Income to Reduce Debt
Each month their $10,000 income flows through their checking account into the loan, instantly reducing debt — from $260,000 to $250,000 in month one.
Rapidly Build Equity
Within the first year, they reduce their mortgage balance by $60,000 — down to $200,000, moving them toward mortgage-free in 5 to 7 years.
Introducing the IUL Policy
A Powerful Wealth-Building Tool
The next piece of the Mortgage-Free Life Strategy involves an Indexed Universal Life (IUL) policy — not just insurance, but a versatile financial vehicle that builds wealth while protecting against life's uncertainties.
- Tax-Advantaged Retirement Income: returns are linked to the S&P 500's performance, with growth potential and a 0% floor protecting against market losses.
- Death Benefit & Additional Coverage: the IUL provides a death benefit plus coverage for chronic and critical illnesses.
- Compounding Interest: take loans against your policy without reducing the account value — you keep earning interest on the full balance, with no taxes on the loan amount.
Ready To Think Outside The Box?
Transform Your Financial Future
Contact us to learn more about how the Mortgage-Free Life Strategy can work for you. Call us at 712-639-6347, visit mortgagefreereport.com/mfl, or schedule a free consultation below.
Get StartedFAQ
Frequently Asked Questions
How does the Mortgage-Free Life Strategy save me money on interest?+
What is an Indexed Universal Life (IUL) policy, and how does it benefit me?+
Can I really pay off my mortgage in 5 to 7 years?+
Protect Yourself and Build Your Financial Future
Schedule a CallLet's Talk About Your Options
Pick a time that works for you — we'll take it from there.
Schedule a CallOther Ways to Reach Us
Phone: 712-639-6347
Email: [email protected]
Facebook: facebook.com/dkinsuranceIA
LinkedIn: linkedin.com/company/dkinsuranceia
What to Expect on the Call
No pressure, no obligation. We'll ask a few questions about your situation, explain your options in plain language, and help you figure out next steps — even if that's just more information for now.