Discussing life insurance can feel like a big step—it brings up topics like your future, finances, and health. When the conversation turns to cannabis use, you might worry about how it could affect your ability to get coverage. The good news is that the life insurance industry has become much more accepting of cannabis users […] Read more
Putting aside any jokes one might have about applying for a life insurance policy on an ex-husband or ex-wife, the reality is that having such a policy is necessary to protect their financial futures for many individuals. After all, during most divorce procedures, much of the negotiations that occur will center around alimony and child […] Read more
Discouraged by initial research suggesting traditional life insurance is out of reach for those who have been diagnosed with pancreatic cancer, many will quickly lose hope and give up. However, it’s important to understand that such a diagnosis doesn’t close all doors to coverage. Depending on factors like diagnosis timing, treatment status, and personal circumstances, […] Read more
At IBUSA, we specialize in no-exam life insurance, so no matter when the right time to buy life insurance for you is, we can get you covered quickly and easily with the help of one of the many companies we represent. Now, for the majority of people, life insurance is one thing that many know […] Read more
Delaware Mortality Rates 2025 Comprehensive Health Report Population 1.067M 45th most populous Population Density 522/mi² 5th most dense Median Age 41.4 years 6th oldest state Annual Deaths 9.5K 890 per 100,000 Leading Causes of Death Updated data from 2022-2024 showing Delaware’s mortality statistics and national rankings: Cause of Death Deaths/Year Per 100,000 National Rank Cancer […] Read more
Being huge fans of Fidelity and Sagicor, we understand how and why some folks can have a hard time deciding which of these two companies may be the “best” fit. After all, each of these two companies provides a wide range of different “types” of life insurance policies, including traditional term life insurance policies and […] Read more
Eight seconds on a 2,000-pound bull can change everything – not just your career prospects, but your family’s financial security. The adrenaline that draws you to rodeo competition also triggers red flags for life insurance underwriters, leaving many rodeo athletes believing they’re uninsurable or facing prohibitively expensive premiums. The reality is more nuanced than the […] Read more
Being huge fans of both Fidelity and North American Company, we understand how and why some folks can have difficulty deciding which of these two companies may be the “best” fit. After all each of these two companies provides a wide range of different “types” of life insurance policies, including traditional term life insurance policies […] Read more
A bladder cancer diagnosis can change everything—suddenly, treatment decisions and quality of life become the focus. But in the middle of medical appointments and planning, another urgent question often comes up: is life insurance still possible? Many people quickly discover that bladder cancer’s complexity makes finding clear answers difficult. The truth is that not all […] Read more
Since one of the most common questions we receive from clients here at IBUSA is… What happens at the end of my term life insurance if I don’t die? We figured we ought to take a moment or two and describe one feature many life insurance agents will use to answer this question. That feature, […] Read more
