As we all know, life insurance can be a crucial investment that can help protect your loved ones in the event of your untimely death as it can provide financial support to your family by paying out a lump sum of money to your beneficiaries when you pass away. What usually remains more of a […] Read more
A uterine cancer diagnosis can turn life upside down—treatment decisions, family conversations, and medical appointments suddenly take center stage. In the middle of it all, many women also begin to wonder: Will a cancer history prevent me from getting life insurance to protect my family? The good news is that meaningful coverage is often still […] Read more
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
🎯 Bottom Line Up Front Can you get life insurance with medical conditions? YES, in most cases. While health conditions affect rates and coverage options, the majority of people with medical histories can obtain life insurance. The key is understanding how conditions are evaluated and working with the right approach. Life insurance underwriting evaluates mortality […] Read more
Florida Mortality Rates 2025 Comprehensive Health Report Population 23.4M 3rd highest in US Life Expectancy 77.5 years 22nd highest nationally Health Ranking 31st Middle tier nationally Annual Deaths 234K ~1,000 per 100,000 Leading Causes of Death Updated data from 2022-2024 showing Florida’s mortality statistics and national rankings: Cause of Death Deaths/Year Per 100,000 National Rank […] 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
