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life insurance with living benefits

Ordinarily, term life insurance only pays out a death benefit if you die during the policy’s term. So, if you purchase a policy with a twenty-year term, and you die during that twenty-year period, the insurance company will pay the policy proceeds to your beneficiary. But don’t die during the term, and the policy lapses […] Read more

life insurance cash value

For most people, term life insurance is going to be the best choice. It is inexpensive and easy to understand, and it does what it is supposed to do, provide a death benefit payout to a beneficiary if the insured dies prematurely. But term life is but one of the different types of life insurance […] Read more

pros and cons whole life insurance

When comparing whole life insurance to term, some publications and financial gurus get hung up exclusively on price.  Price is, of course, a completely legitimate consideration. But it doesn’t tell the entire story because whole life and term life are fundamentally different products and, frankly, whole life provides benefits going far beyond the conditional death […] Read more

What is Life Insurance?

life insurance terms and definitions

Over the years, life insurance has changed in many ways but the concept remains exactly the same. Despite this, there are now many misconceptions that exist within the industry which is why we have compiled a complete guide to life insurance. From definitions of key terms to who should get life insurance, from where life […] Read more

At IBUSA, we are not married to any one type of life insurance and we certainly do not always recommend you “Buy term and invest the difference.” Why is that, you may ask. The main reason is, we are not trying to sell you a quick and easy term insurance policy and move on to […] Read more

how long is term life insurance

If you are considering term life from one of the best life insurance companies in the US, you will need to make a decision on the term length and the face amount of the policy. How Much Term Life Do You Need How much life insurance you need is a personal choice, but one that […] Read more

Select Quote life insurance review

Select Quote is one of the biggest independent life insurance brokers representing some of the best life insurance companies in the United States. Select Quote life insurance marketing materials emphasize their large network of insurance providers and reliance on online and telephone communications. Overall, their goal is to provide consumers convenient access to competitive premium […] Read more

American National vs. AIG

  When it comes time… To purchase a life insurance policy, it’s easy to see why so many folks can become frustrated with the whole process.  After all, not only does someone have to figure out what “kind” of life insurance policy is going to be the best one for them (think traditional term life […] Read more

North American Company vs. Sagicor

When it comes time… To purchase a life insurance policy, it’s easy to see why so many folks can become frustrated with the whole process.  After all, not only does someone have to figure out what “kind” of life insurance policy is going to be the best one for them (think traditional term life insurance, […] Read more

40 year term life insurance rates

40 year term life insurance is relatively new to the life insurance marketplace. What you will find is there are not a lot of top life insurance companies offering it yet. The few that do will set the stage for other insurance companies following along if the product is successful. 40 Year Term Life Insurance […] Read more