At IBUSA, we partner with insurance providers that offer both term and permanent coverage, because the most suitable life insurance company for you will depend on your individual needs, goals, and objectives. In this article, we will define permanent life insurance and provide several scenarios where it may be preferable to choose permanent life insurance […] Read more
When evaluating whole life insurance options, understanding the fundamental difference between participating and non-participating policies becomes crucial for making informed financial decisions. From the start, it’s important to understand that these two policy structures offer distinct approaches to premium costs, investment participation, and long-term value accumulation. In this comprehensive comparison, we’ll examine how each policy […] Read more
Infinite banking is a concept created by Nelson Nash where you “Become Your Own Banker” using a properly designed dividend-paying whole life insurance policy focused on cash value growth and accumulation. The basic premise of the Infinite Banking Concept is the whole life insurance policy acts as your own personal bank. And for any large […] Read more
Mortality Rates in Montana Montana Population: 1,068,778 (8th lowest) Population Density: 7.42 per square mile (47th most dense) Median Age: 40.2 (10th oldest) Deaths Per Year: 9,992 Annual Deaths Per 100,000: 940.6 Life Expectancy at Birth: 78.7 Fertility Rate (births per 1,000 women age 15-44): 56.8 (15th lowest rate) Leading Causes of Death in Montana […] Read more
Your 50s are here and life is rich. You may have started a business, your kids are out of the house or close to it, and you are at your prime income earning potential. Buying life insurance over 50 years old has never been easier thanks to the many innovations in the life insurance industry. […] Read more
Mortality in Pennsylvania Pennsylvania Population: 12,801,989 (5th highest) Population Density: 285.73 per square mile (9th most dense) Median Age: 40.9 (8th oldest) Deaths Per Year: 134,702 Annual Deaths Per 100,000: 1,051.8 Life Expectancy at Birth: 78.1 Fertility Rate (births per 1,000 women age 15-44): 56.3 (12th lowest rate) Leading Causes of Death in Pennsylvania Cause […] Read more
Mortality Rates in Colorado Colorado Population: 5,758,736 (21st highest) Population Density: 56.04 per square mile (37th most dense) Median Age: 37.3 years old (40th oldest) Deaths Per Year: 38,526 Annual Deaths Per 100,000: 676.4 Life Expectancy at Birth: 80 Fertility Rate (births per 1,000 women age 15-44): 53.3 (43rd highest rate) Leading Causes of Death […] Read more
When it comes to life insurance, there are many options available to consumers. One type of policy that has gained popularity in recent years is cash-value life insurance. This is mainly because, unlike traditional term life insurance, cash-value policies offer both protection for your loved ones and a savings component that can accumulate over time. […] Read more
The decision to purchase life insurance is a personal one, and there is no one-size-fits-all answer. However, there are a few factors to consider that can help you determine whether or not life insurance is necessary for you. Firstly, if you have dependents such as a spouse or children, life insurance can provide financial security […] Read more
United States Mortality Rates U.S. Population: 328,239,523 Population Density (per square mile): 93.29 Median Age: 38.1 Deaths Per Year: 2,854,838 Annual Deaths Per 100,000 Pop.: 869.7 Life Expectancy at Birth: 77.8 (Female: 80.5; Male: 75.1) Fertility Rate (births per 1,000 women age 15-44): 59.0 Leading Causes of Death in the U.S. Cause of Death Deaths […] Read more
