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life insurance over 80

Typically, when someone begins looking for a life insurance policy at the age of 80 or above, what they’re usually looking to purchase is a final expense or burial life insurance policy. This way… When the inevitable happens, there will be a small whole life insurance policy in place that can help their loved ones […] Read more

iul insurance

At IBUSA, we specialize in helping people get covered as quickly and easily as possible, even if that coverage happens to be IUL insurance. Thanks to many companies moving towards no exam life insurance, it is possible to qualify for an indexed universal life insurance policy without having to take an exam. Which is great […] Read more

pros and cons whole life insurance

When comparing whole life insurance to term, some publications and financial gurus get hung up exclusively on price.  Price is, of course, a completely legitimate consideration. But it doesn’t tell the entire story because whole life and term life are fundamentally different products and, frankly, whole life provides benefits going far beyond the conditional death […] Read more

permanent life insurance policy

AT IBUSA, we work with companies that offer both term and permanent covarage, because the best life insurance company for you will depend on your needs, based on your unique goals and objectives. In the following article we will define permanent life insurance AND offer various instances when it makes sense to choose permanent life […] Read more

participating whole life insurance

All participating life insurance is whole life insurance, but not all whole life insurance is participating life insurance. Participating Life Insurance allows you to participate in the ownership of the company and share in the profits through dividends. Non-Participating Life Insurance is the opposite, allowing zero ownership, no voting rights, and no share of profits […] Read more

infinite banking concept

Infinite banking is a concept created by Nelson Nash where you “Become Your Own Banker” using a properly designed dividend paying whole life insurance policy focused on cash value growth and accumulation. The basic premise of the Infinite Banking Concept is the whole life insurance policy acts as your own personal bank. And for any […] Read more

life insurance quotes over 50

Your 50s are here and life is rich. You may have started a business, your kids are out of the house or close to it, and you are at your prime income earning potential. Buying life insurance over 50 years old has never been easier thanks to the many innovations in the life insurance industry. […] Read more

life insurance cash value

For most people, term life insurance is going to be the best choice. It is inexpensive and easy to understand, and it does what it is supposed to do, provide a death benefit payout to a beneficiary if the insured dies prematurely. But term life is but one of the different types of life insurance […] Read more

is term life insurance worth it?

At IBUSA, we believe life insurance is worth it. In fact, we go above and beyond to research the best life insurance companies in the marketplace to help everyone that needs it, get it is quickly and efficiently as possible. Which is why we focus our attention on the top no exam life insurance policies […] Read more

life insurance ages 70-79

Here at IBUSA, we understand that when it comes time to purchase a life insurance policy in your 70s, most folks aren’t looking to purchase a GIANT multi-million dollar life insurance policy. Instead, most will be trying to decide what they should do with an existing life insurance policy that’s about to expire. Or… Decide […] Read more