When clients contact us at IBUSA, it’s typically because they’ve already made the decision to purchase a life insurance policy for themselves or a loved one. Rarely do we have discussions about the importance of life insurance and why someone might need it in the first place. However, there are instances when individuals are undecided […] Read more
Life insurance is an essential financial safety net that can provide a sense of security for your loved ones in the event of your untimely passing. However, medical conditions can significantly impact your eligibility and premiums for life insurance coverage. So, it’s crucial to understand how medical conditions can affect your options for life insurance […] Read more
Mortality Rates in Florida Florida Population: 211,477,737 (3rd highest) Population Density: 405.5 per square mile (7th most dense) Median Age: 42.7 years old (5th oldest) Deaths Per Year: 205,426 Annual Deaths Per 100,000: 964.5 Life Expectancy at Birth: 78.9 (22nd highest) Fertility Rate (births per 1,000 women age 15-44): 56.6 (13th lowest rate) Leading Causes […] Read more
Life insurance is an essential part of planning for the future, but the thought of undergoing a medical exam can be daunting for some individuals. This is where no medical exam life insurance policies come into play. These policies are designed for those who want life insurance coverage but prefer to avoid the medical exam […] Read more
When most people think of life insurance, they typically picture a married couple with children. However, life insurance is not just for those with dependents. Single individuals can benefit from having life insurance, too. In this article, we’ll explore why life insurance may be a good idea for single people, what types of life insurance […] Read more
Planning for end-of-life expenses can feel overwhelming, especially when balancing the need for adequate coverage with affordable premiums. This is usually when many discover that a $25,000 life insurance policy might offer the right balance for covering funeral costs, outstanding debts, and providing peace of mind for loved ones. This is why we choose to […] Read more
Life’s unpredictability doesn’t have to leave your family vulnerable. While no one wants to think about worst-case scenarios, the reality is that financial security becomes your family’s lifeline when the unexpected happens. Enter $10,000 life insurance—the perfect stepping stone for those ready to protect their loved ones without breaking the bank. Think of it as […] Read more
Funerals are a reality we all must face, and the financial burden they bring can be overwhelming for our loved ones left behind. Yet, despite the importance of planning ahead, many people find excuses to avoid purchasing a final expense insurance policy. In this article, we will delve into the top eight excuses commonly used […] Read more
🎯 Bottom Line Up Front The best life insurance company for you depends on your specific health, lifestyle, and financial situation. As a life insurance broker, we don’t just provide quotes – we analyze each insurer’s underwriting guidelines to match you with the company that will offer you the best rates and approval odds based […] Read more
When someone is diagnosed with lung cancer, it can be a devastating and overwhelming experience. Not only is the person facing a serious illness, but they are also likely to be dealing with a lot of uncertainty and fear about the future. One of the things that may be on their mind is how their […] Read more
