🛡️ Accidental Death Has Its Place As  Supplemental or Bridge Coverage In our opinion, Accidental death insurance serves several specific purposes: affordable supplemental protection, bridge coverage while qualifying for traditional policies, and/or coverage for those with medical limitations. “Not perfect, but serves specific needs when traditional life insurance isn’t available or sufficient.” ✓Supplement Coverage: Boost […] Read more

✓ Life Insurance While on Disability Benefits Disability benefits themselves don’t disqualify you from life insurance. Your underlying medical condition, functional capacity, and treatment stability matter far more to underwriters. Multiple coverage pathways exist, from guaranteed issue policies for immediate protection to simplified issue and traditional options as health stabilizes. ✓Three Main Coverage Pathways Available: […] Read more

Compare the 10 most affordable options. Rates from $15/month. No medical exams. Honest breakdown: what costs, what’s covered, and what limitations matter The Real Deal on “Cheap” Affordable final expense insurance options are available. In fact, plans starting around $15 per month are often a perfect solution for those looking for a small whole life […] Read more

⚖️ AIG vs. Lincoln Financial Life Insurance Comparison Complete 2025 Analysis A comprehensive comparison of two major life insurers—helping you understand which company’s products, underwriting approach, and distribution model align best with your coverage needs and financial goals. ✓Company Profiles: History & market position ✓Financial Strength: Ratings & stability ✓Product Comparison: Coverage types & options […] Read more

📊 Top 10 Companies Ranked & Compared Which One Is Right for Your Situation? We’ve analyzed over 50 life insurance companies across financial strength, customer satisfaction, product variety, underwriting flexibility, and claims processing, so you don’t have to! ✓Financial Stability First: All companies are A-rated or higher from AM Best, ensuring your benefits are protected […] Read more

One of the main selling features insurance companies and agents use when describing a burial life insurance policy is that, often, individuals can qualify for coverage immediately. In other words, they can purchase their burial life insurance policy with no waiting period. While it is technically true that most burial life insurance policies can be […] Read more

Prosperity Life Insurance positions itself as a trusted option for seniors seeking final expense coverage and simplified life insurance solutions. The company emphasizes accessibility and straightforward application processes, appealing to those who want coverage without the hassle of medical exams or complex underwriting. However, customer experiences with Prosperity Life have been mixed. Some policyholders appreciate […] Read more

At IBUSA, we know planning for end-of-life expenses can feel overwhelming, especially with all the confusing and contradictory information out there about final expense insurance. Unfortunately, these common misconceptions can stop families from getting affordable coverage that could protect their loved ones from a heavy financial burden. So in an effort to prevent, we’ve put […] Read more

Getting a term life insurance quote feels straightforward until you encounter the detailed health questionnaire and realize that everything from your cholesterol levels to weekend hobbies could significantly impact your premium rates. This is why we created this comprehensive guide on how health and lifestyle factors influence term life insurance rates, revealing the specific underwriting […] Read more