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
With so many great life insurance companies out there, it’s easy to see why some folks may find it difficult to decide which life insurance company will be the “best” for them. Particularly if they’ve narrowed down their search to just a couple of companies like Fidelity and North American Life, which we are huge […] Read more
As you approach your 40s, you may have noticed a shift in your priorities. Your career has taken off, you’ve built a comfortable life for yourself and your loved ones, and you’re thinking more about securing their future. But have you stopped to consider what would happen if you were no longer there to provide […] Read more
🎯 Bottom Line Up Front Can you get life insurance if you’ve been denied before? YES. Being denied by one insurance company doesn’t mean all companies will deny you. Different carriers have vastly different underwriting guidelines, and what disqualifies you with one insurer may be perfectly acceptable to another. The key is understanding why you […] Read more
🎯 Bottom Line Up Front Can you get life insurance with a terminal illness? LIMITED OPTIONS EXIST. While traditional coverage is typically unavailable, accelerated death benefits, group policies, and guaranteed issue options provide financial protection for families facing terminal diagnoses. From an insurance perspective, terminal illnesses represent the highest mortality risk, making traditional life insurance […] Read more
Life insurance is a crucial component of financial planning, providing a safety net for your loved ones in the event of your untimely death. However, it can be challenging to know when the best time is to purchase a life insurance policy. In this article, we will explore the factors that affect the decision of […] Read more
It is crucial to understand that just because you contact an agency or life insurance company to obtain coverage, it does not mean that what they offer you will protect you against all eventualities. That is why asking the agent, “What does life insurance cover?” is an excellent question to pose. However, it might be […] Read more
The moment you mention scuba diving during a life insurance application, you might notice the agent’s tone shift or see additional forms appear. This reaction stems from outdated perceptions of diving as an extreme sport, when modern recreational diving with proper certification carries significantly lower risk than many assume. The frustration deepens when you discover […] Read more
At IBUSA, we know that you never want to argue about whether it’s fair for someone who frequently skydives to either not qualify for life insurance or be forced to pay more than someone who doesn’t. The reason is simple: You’re likely to encounter a logical argument that those who skydive regularly tend to be […] Read more
Chances are, if you’re reading this article, you’ve already decided that it’s time to purchase some life insurance for you or a loved one. And, you’re beginning to realize that sometimes what someone does for a living can affect on the outcome of their life insurance application! This is why… We wanted to take some […] Read more
