For many people, “life insurance” sounds like something only the rich and famous get for their heirs or is only something someone needs to worry about when they get “old.” But that’s the same thinking that makes a roofer super busy once it starts raining! It’s also the same kind of thinking leaves many family […] Read more
🎯 Bottom Line Up Front Can you get life insurance with thyroid cancer? YES. Most thyroid cancer survivors can obtain coverage, with papillary thyroid cancer often qualifying for standard rates after 2-5 years. Early-stage cases and complete treatment response provide the best outcomes. Thyroid cancer, while understandably concerning at diagnosis, has become one of the […] Read more
When you search “how much does life insurance cost,” you’ll find endless calculators promising instant quotes and articles citing vague price ranges that somehow apply to everyone. The reality? A healthy 30-year-old non-smoker might pay $15 monthly for $250,000 in coverage, while their 50-year-old colleague with controlled diabetes could face $180 monthly for the same […] Read more
Here at IBUSA, we have found that as many of our clients turn 60 and beyond, their priorities will often shift from accumulating wealth to protecting it. And one important way to protect your assets and your loved ones is through life insurance. As a result, some individuals who previously didn’t see the importance of […] Read more
Alabama Mortality Rates 2025 Comprehensive Health Report Population 5.3M 24th largest in US Life Expectancy 73.2 years 3.8 years below national avg Health Outcomes 45th Significant challenges Annual Deaths 58K+ ~1,100 per 100,000 Leading Causes of Death Updated data from 2022-2024 showing Alabama’s mortality statistics and concerning national rankings: Cause of Death Deaths/Year Per 100,000 […] Read more
Life insurance is a crucial tool for protecting loved ones financially in the event of an unexpected death. However, the traditional life insurance application process can be lengthy and invasive, often requiring a medical exam and underwriting process. This can deter some individuals from seeking coverage altogether. Fortunately, there are now options available for those […] Read more
Life insurance can provide financial security for your loved ones in the event of your untimely death. However, what if you could also receive financial benefits while you’re still alive? This is where term life insurance with living benefits comes in. Unlike traditional term life insurance policies that only pay out a death benefit, term […] Read more
A prostate cancer diagnosis brings immediate concerns about treatment and recovery, but for many men, securing life insurance protection becomes an equally pressing priority. The fear that coverage might now be impossible or prohibitively expensive often compounds the stress of an already challenging situation. The reality is far more encouraging than most newly diagnosed patients […] 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
Life insurance is a crucial financial planning tool that provides a safety net for your loved ones in case of your unexpected death. However, despite its importance, many individuals fail to purchase life insurance policies. The reasons for this can vary from financial, age-related, health-related, and even philosophical beliefs. In this article, we will discuss […] Read more
