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life insurance for parent

Purchasing a life insurance policy on your parent may seem like a difficult decision to make, but it can provide peace of mind for both you and your family. It can ensure that your parent’s loved ones are financially protected in the event of their passing and can also provide a sense of security for […] Read more

Prepaid funeral plans are payment options typically offered by funeral homes or funeral directors as a way to help people finance the cost of a funeral over time.  As such, they provide individuals and families with a way to help alleviate some of the financial burdens on their loved ones. The cost of the plan […] Read more

Cremation is becoming an increasingly popular funeral option, as more and more people are choosing this method of disposition for themselves or their loved ones.  And while there are a wide variety of reasons why someone might choose to be cremated or have a loved one cremated, the cost can and often will play a […] Read more

When a loved one passes away, it can be a difficult and emotional time for family members and one of the last things anyone wants to think about during this trying time is how to pay for a funeral and burial expenses. Sadly though, these costs can be quite significant, and if you haven’t prepared […] Read more

benefits of life insurance

Picture this: You’re on your deathbed, surrounded by your loved ones, who are weeping and wailing at the thought of losing you. But as you take your last breath, you realize that the real tragedy isn’t your impending death, it’s the fact that you didn’t have life insurance and now your family is going to […] Read more

Automated Underwriting Life Insurance

The increasing trend for more and more life insurance companies to embrace different accelerated underwriting models represents one of the few situations where the life insurance industry is modernizing itself. As a result, many prospective buyers on now finding it possible to quickly purchase a traditional term or whole life insurance policy without having to […] Read more

40 year term life insurance rates

The following article will provide sample 40 year term life insurance quotes, as well as answer some of the most common questions we get regarding this term length. Here at IBUSA, we’ve found that usually when someone decides to purchase a life insurance policy for the first time, they’re typically thinking about buying a policy […] Read more

universal life insurance pros and cons

Most articles about life insurance discuss two basic policy types:  term life and whole life.  And, for a long time, those were the only options. Beginning in the 1980s, though, a new form of permanent life insurance came on the scene—universal life (or “UL”).  UL often gets left out of the conversation, probably because it’s […] Read more

Exam vs No exam Life Insurance

In this article, we want to take a moment and discuss some of the differences you’ll find between life insurance policies that will require you to take a medical exam vs. those that won’t. And since we… Here at IBUSA offer both “types” of life insurance policies, our goal isn’t going to be to try […] Read more

million dollars life insurance

A million-dollar life insurance policy is a type of policy that provides a death benefit of $1 million to the policyholder’s beneficiary or beneficiaries in the event of the policyholder’s death. These policies are generally used to provide financial security and support for loved ones in the event of the policyholder’s death and may be […] Read more