🎯 Bottom Line Up Front Can you get life insurance with COVID-19? YES. Most people with a COVID-19 history can obtain coverage, though timing, severity, and long-term effects influence rates and availability. Post-recovery applications typically face better outcomes than active infections. COVID-19 (SARS-CoV-2) has affected millions worldwide, ranging from asymptomatic cases to severe illness requiring […] Read more
Dealing with the passing of a loved one can be an emotionally challenging experience. On top of that, it can also be financially draining, especially when it comes to funeral expenses. Fortunately, there are final expense insurance policies that are specifically designed to help alleviate some of the financial burden that your loved ones may […] Read more
At IBUSA, we work with the top burial insurance companies in the U.S.A. Our goal is to align our clients with the company that best meets their needs, goals, and of course, budget. So if you are a senior looking to buy the best burial insurance you have come to the right place. There are […] Read more
You submit your life insurance application feeling confident about your health, only to receive a letter weeks later with terms that don’t match what you expected. The premium is higher than quoted, or worse, you’ve been placed in a “substandard” category that sounds more alarming than your doctor’s last assessment suggested. This disconnect between your […] Read more
Illinois Mortality Rates 2025 Comprehensive Health Report Population 12.67M 6th highest in US Life Expectancy 78.8 years National average Mortality Rate 15th Highest overall Annual Deaths 110,022 863.5 per 100,000 Leading Causes of Death Updated data from 2018-2019 showing Illinois mortality statistics and national rankings: Cause of Death Deaths/Year Per 100,000 National Rank Heart Disease […] Read more
It’s pretty safe to say that once your doctor mentions words like “chronic,” “progressive,” or “long-term management,” your mind is probably going to quickly race beyond the immediate treatment concerns towards the longer-term realities – how will this affect your ability to work, care for your family, and maintain financial stability? And while traditional life […] Read more
West Virginia Mortality Rates 2025 Comprehensive Health Report Population 1.79M 37th highest in US Life Expectancy 74.4 years Lowest nationally Median Age 42.9 years 4th oldest state Annual Deaths 23,478 1,300.1 per 100,000 Leading Causes of Death Updated data from 2018-2019 showing West Virginia mortality statistics and national rankings: Cause of Death Deaths/Year Per 100,000 […] Read more
Rhode Island Mortality Rates 2025 Comprehensive Health Report Population 1.1M 45th largest state Life Expectancy 78.5 years 8th highest in US Population Density 2nd Most dense after NJ Annual Deaths ~10,300 Small state impact Leading Causes of Death Rhode Island mortality statistics showing the Ocean State’s health patterns and national comparisons: Cause of Death Per […] Read more
Yes, you can have more than one life insurance policy. There is no legal limit to the number of life insurance policies you can have. In fact, having multiple policies can be a good strategy to ensure that you have enough coverage to meet your needs. However, when you apply for a life insurance policy, […] Read more
Let’s face it, even though every life insurance commercial you’re going to see is going to make it look like purchasing a policy is “super easy” the fact is, buy a life insurance policy can sometimes be quite difficult. Difficult because… First, you need to decide how “much” life insurance you’re going to need. And […] Read more
