Aside from its well-known brand and financial strength, John Hancock Life Insurance Company should always be considered one of the top life insurance companies in the country, according to IBUSA. Although John Hancock may not always offer the best initial pricing, the company stands out from its competitors with its unique approach to certain clients […] Read more
To understand what happens at the end of a term life insurance policy, one must first understand exactly what a term life insurance policy is and not let a few key phases that a lot of life insurance agents like to throw around, such as: Convertible term or Guaranteed renewable term to confuse things. This […] Read more
One of the first things any new life insurance agent will learn in this industry is that no matter how great a particular life insurance company is, it cannot be the “best” for everyone. That’s why at IBUSA, we choose to work with dozens of different life insurance companies, including Guardian Life. While Guardian Life […] Read more
With its strong financial history and exceptional product line, it’s no surprise that Lincoln Financial Group consistently ranks among the top 10 life insurance companies in the US. However, it’s important to note that each insurance company has its own unique underwriting guidelines to determine whom they will insure. Even with an outstanding company like […] Read more
Simply put, life insurance is a contract between you and an insurance company where you agree to pay a premium and the insurance company promises to give a sum of money to your designated beneficiaries in the event of your untimely demise. A contract that is designed to work like a safety net for your […] Read more
American National and AIG are both large, financially stable insurance companies that offer a variety of life insurance products. It is difficult to determine which is the best life insurance company without knowing more about your specific needs and circumstances. Comparing AIG to American National Here are a few things to consider when comparing American […] Read more
Mortality Rates in Michigan Michigan Population: 9,986,857 (10th highest) Population Density: 176.31 per square mile (17th most dense) Median Age: 40.1 (12th oldest) Deaths Per Year: 98,903 Annual Deaths Per 100,000: 989.4 Life Expectancy at Birth: 77.7 Fertility Rate (births per 1,000 women age 15-44): 57.4 (34th highest rate) Leading Causes of Death in Michigan […] Read more
Life insurance is an important financial product that provides a safety net for loved ones in the event of unexpected death. However, many people are discouraged from purchasing life insurance due to the health questions and medical exams required during the application process. Fortunately, options are available for those wishing to buy life insurance without […] Read more
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 will be the best for them (think traditional term life insurance, no medical exam […] Read more
As an independent life insurance brokerage, IBUSA can partner with many different life insurance companies, including Equitable Life Insurance Company. While Equitable may not always offer the most competitive pricing for its term life insurance products, it has lenient underwriting guidelines for conditions such as high cholesterol. This means that some people may qualify for […] Read more
