The best final expense insurance companies offer different types of coverage, including whole life insurance with a graded death benefit. And many people want to know, “What is a Graded Death Benefit?” A graded death benefit is a term used to describe a “clause” within every guaranteed issue life insurance policy, which will limit coverage […] Read more

An ovarian cancer diagnosis brings immediate concerns about treatment, recovery, and protecting your family’s financial future. The overwhelming nature of medical decisions becomes more complex when you realize that securing life insurance coverage suddenly seems urgent yet potentially impossible, especially when well-meaning friends suggest that cancer automatically disqualifies you from coverage. Fortunately, the life insurance […] Read more

The AARP endorsement carries significant weight for millions of Americans over 50, yet confusion persists about whether AARP life insurance represents genuine value or simply capitalizes on brand trust. Many assume AARP membership automatically guarantees the best rates, while others question whether these policies can compete with traditional insurers in today’s competitive marketplace. What most […] Read more

Life insurance policies provide financial security and peace of mind to individuals and their loved ones. These policies are designed to pay out a death benefit in the event of the policyholder’s death, providing financial support to their beneficiaries. However, what happens if you want to purchase a life insurance policy on another person? Can […] Read more

Here at IBUSA, we’ll often have clients give us a call after they have already had their first (and sometimes second) life insurance application declined or postponed. As a result, we’ve gained a lot of experience helping those who have had a difficult time qualifying for life insurance in the past. This is why… We […] Read more

Divorce papers are finalized, assets divided, and custody arrangements settled – yet one critical financial protection decision often gets buried in the emotional aftermath. Life insurance becomes exponentially more important after divorce, as single-parent households face greater financial vulnerability while simultaneously dealing with tighter budgets and complex court requirements. The confusion deepens when divorce attorneys […] Read more

With accidental overdose deaths affecting over 107,000 Americans in 2023, according to CDC data, families increasingly face questions about life insurance coverage during these tragic circumstances. Understanding how insurance companies evaluate overdose-related claims, policy exclusions, and the claims process becomes crucial for protecting beneficiaries during an already difficult time. This guide examines how life insurance […] Read more

You’re on the phone with an insurance agent who says you might qualify for $1 million in coverage — yet your friend applied for $500,000 and was turned down. Then you try an online calculator and get a completely different number. It’s easy to wonder if life insurance companies have some secret formula hidden behind […] Read more

It is generally recommended that everyone consider purchasing life insurance, regardless of their occupation or hobbies. Life insurance can provide financial protection for your loved ones in the event of your death, helping to cover expenses such as funeral costs, outstanding debts, and ongoing living expenses. But… For folks who enjoy Hang Gliding or Paragliding, […] Read more