🎯 Bottom Line Up Front Can you get life insurance with Obsessive-Compulsive Disorder (OCD)? YES. Most individuals with well-managed OCD can obtain life insurance coverage at standard to slightly elevated rates, depending on severity and treatment response. From an insurance perspective, OCD is evaluated based on symptom severity, treatment response, functional capacity, and overall impact […] Read more

Turning 50 is a milestone — and for many, it’s also a wake-up call when it comes to life insurance. Coverage suddenly feels more urgent, yet often more expensive. Premium quotes that once seemed manageable can now cause sticker shock, leaving many to wonder if they’ve missed their window for affordable protection. At the same […] Read more

Running your own business entails financial challenges that traditional employees rarely encounter. Unpredictable cash flow, no company-provided benefits, and the constant juggling of personal and business security.  It’s enough to make one crazy if you let it, especially if you add purchasing a life insurance policy to the “to-do” list! Throw in some technical terms […] Read more

🎯 Bottom Line Up Front Can you get life insurance with chronic pain? YES. While chronic pain conditions require careful underwriting review, most people can obtain coverage with proper documentation of pain management, underlying causes, and functional capacity. From an insurance perspective, chronic pain presents unique underwriting challenges because it’s often subjective, can vary in […] Read more

At IBUSA, we know planning for end-of-life expenses can feel overwhelming, especially with all the confusing and contradictory information out there about final expense insurance. Unfortunately, these common misconceptions can stop families from getting affordable coverage that could protect their loved ones from a heavy financial burden. So in an effort to prevent, we’ve put […] Read more

Running a small business means juggling countless roles—CEO, marketer, customer service rep—often within the same hour. Amid the daily grind of managing cash flow, employees, and growth, one critical question often gets sidelined: what happens to your business and family if you’re no longer there to lead? The stark reality is that nearly 70% of […] Read more

Getting a term life insurance quote feels straightforward until you encounter the detailed health questionnaire and realize that everything from your cholesterol levels to weekend hobbies could significantly impact your premium rates. This is why we created this comprehensive guide on how health and lifestyle factors influence term life insurance rates, revealing the specific underwriting […] Read more

🎯 Bottom Line Up Front Can you get life insurance with anxiety? YES. Most people with anxiety can obtain life insurance coverage, with mild to moderate anxiety often qualifying for standard or better rates. Even with severe anxiety, alternative coverage options may be available. From an insurance perspective, anxiety is generally viewed as a manageable […] Read more

Working the waters as a commercial fisherman means confronting dangers that most people only imagine – unpredictable weather, heavy machinery, and the inherent risks of simply being on the water. Lost on many who love what they’re doing, the sobering reality hits when you attempt to secure life insurance and discover that insurance companies classify […] Read more