Chartered in Indiana in 1951 and now headquartered in Waco, Texas, American Income Life (“AIL”) is a financially strong life insurer that focuses on serving “working families.” AIL’s bread and butter is marketing life insurance to members of associations—especially labor unions and credit unions—though group membership is not generally a prerequisite for coverage. Compare over […] Read more
Learning that your insurance company has discontinued coverage options feels like navigating uncharted territory – especially when you’re left wondering about your existing policy’s future or where to find comparable protection. Great Western Insurance Company’s recent withdrawal from the final expense market has left many policyholders and potential customers searching for clarity about what comes […] Read more
Discovering Sons of Norway Life Insurance often happens by accident – perhaps through family heritage research, community center recommendations, or while exploring alternatives to mainstream insurance companies that seem increasingly expensive and impersonal. This Minneapolis-based fraternal organization has quietly provided life insurance benefits to Norwegian-American families and cultural enthusiasts for over 130 years, operating under […] Read more
The Standard Life Insurance Company sits quietly among America’s insurance landscape, carrying 160 years of history while competing against marketing giants that dominate television commercials and online advertisements. When families research life insurance options, The Standard rarely appears in the first wave of Google results, yet this Portland-based insurer manages billions in assets and serves […] Read more
Medical record requests from life insurance companies raise important privacy concerns for applicants seeking coverage. Understanding your rights under HIPAA, the legal framework governing these requests, and how medical history impacts underwriting decisions helps you navigate the application process with confidence. This comprehensive guide examines when insurance companies can access medical records, what information they […] Read more
Your insurance agent just suggested American United Life Insurance, but the name doesn’t sound familiar. Unlike the big players like State Farm or Northwestern Mutual that your friends swear by, you’re left wondering if this Indianapolis-based insurer can offer comparable financial security and service. The doubt grows when online searches turn up few consumer reviews, […] Read more
At IBUSA, our expertise lies in helping people find the right life insurance coverage quickly and easily, including indexed universal life (IUL) insurance. The good news is that with many insurance companies adopting no-exam policies, it’s possible to qualify for an IUL policy without needing to take an exam, which can be a relief for […] Read more
Life insurance is an essential component of financial planning for many individuals and families. It provides peace of mind by ensuring that loved ones will be taken care of financially in the event of the policyholder’s death. However, not everyone is able to qualify for traditional life insurance policies due to various factors such as […] Read more
Although Ameritas doesn’t currently offer no-medical-exam term life insurance policies, its strong financial reputation and excellent customer service consistently rank it as one of the best life insurance companies in the country. Therefore, we want to discuss some of this company’s pros and cons to help you determine whether applying for one of their products […] Read more
By the Insurance Brokers USA Team – Licensed insurance professionals with extensive experience helping clients evaluate permanent life insurance options. Our agents have analyzed hundreds of whole life policies, specializing in matching coverage types to specific financial goals and family circumstances. The whole life insurance debate often feels like choosing sides in a financial philosophical […] Read more
