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
Lincoln Financial Group operates quietly among life insurance giants, yet this 120-year-old company consistently ranks among the industry’s most financially stable insurers while maintaining competitive rates that often surprise consumers accustomed to household names. Sadly, many potential policyholders overlook Lincoln Financial due to its lower brand recognition, potentially missing out on excellent coverage at reasonable […] Read more
Life insurance is one of the most important financial decisions you’ll ever make, yet it’s also one of the most misunderstood. Many people put off purchasing coverage due to confusing jargon, conflicting advice, or misconceptions about cost and eligibility. At its core, life insurance is a financial safety net—one that can determine whether your family […] 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
Michigan Mortality Rates 2025 Comprehensive Health Report Population 10.03M 10th highest in US Life Expectancy 76.0 years Men: 73.4 | Women: 78.8 Health Ranking 29th Upper middle tier Annual Deaths 54-56K 545 per 100,000 Leading Causes of Death Updated data from 2022-2024 showing Michigan’s mortality statistics and national rankings: Cause of Death Deaths/Year Per 100,000 […] 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
When researching life insurance, Equitable stands out with over 160 years of history, dating back to before the American Civil War. This longevity might suggest top-tier customer service and competitive pricing. However, the reality is more complex, and families prioritizing responsive support during critical times should take a closer look. Boasting strong financial ratings and […] Read more
