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
Television commercials promising life insurance for “just $1” have made Globe Life a familiar name for many families, especially seniors looking for simple and affordable protection. The message feels reassuring — quick approval, no medical exam, and coverage you can set up in minutes. But as many policyholders later discover, the details behind those promises […] Read more
Life insurance is a topic that often gets overlooked or put on the back burner, yet it is a crucial aspect of financial planning. Many people wonder if life insurance is worth the cost and effort. The truth is that life insurance provides financial security for loved ones and can help cover expenses and debts […] Read more
Seeing how base jumping is considered one of the most dangerous recreational activities worldwide. Therefore, it is understandable why a base jumper would want to purchase a life insurance policy. However, it is also easy to see why a life insurance company may be hesitant to insure a base jumper, no matter how healthy they […] Read more
Oklahoma Mortality Rates 2025 Comprehensive Health Report Population 4.1M 28th highest in US Life Expectancy 72.7 years 8th lowest nationally Health Ranking 47th Unchanged from 2023 Annual Deaths 42-45K ~1,050 per 100,000 Leading Causes of Death Updated data from 2022-2024 showing Oklahoma’s mortality statistics and national rankings: Cause of Death Deaths/Year Per 100,000 National Rank […] Read more
Life insurance is one of those “things” that most folks with a family understand that they NEED, but sometimes fail to realize just how badly they REALLY need it! We know this because even within the 55 to 65% of Americans who have life insurance, nearly ½ of those are UNDERINSURED (Insurance Information Institute). Sadly… […] Read more
🎯 Bottom Line Up Front Can you get life insurance with breast cancer? YES. Most breast cancer survivors can obtain coverage, with early-stage, hormone-positive cases often qualifying for standard rates after 3-5 years. Modern treatments and improved outcomes have made breast cancer increasingly insurable. Life insurance underwriting for breast cancer has evolved significantly as survival […] Read more
When an agent or funeral director mentions Lincoln Heritage Life Insurance, it’s natural to feel a bit unsure. Many families haven’t heard of the company before and wonder how it compares to familiar names like MetLife or Prudential. That curiosity can grow when you learn that Lincoln Heritage focuses solely on final expense coverage, which […] 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 is going to be the best one for them (think traditional term life insurance, […] Read more
🎯 Bottom Line Up Front Can you get life insurance with lymphoma? YES, in most cases. Lymphoma survivors can often obtain coverage, with Hodgkin lymphoma generally having better prospects than non-Hodgkin lymphoma. Early-stage disease with complete remission offers the best outcomes after 3-5+ years. Life insurance underwriting for individuals with lymphoma has evolved significantly as […] Read more
