Author: Insurance Brokers USA Team Updated: September 2025 Reading Time: 12 minutes Deciding between term and whole life insurance can feel like a big task when you’re focused on securing your family’s financial future. The insurance world’s jargon, mixed online advice, and pushy sales pitches can make it hard to know if you’re picking the […] Read more
One of the main reasons why individuals will choose to purchase a term life insurance policy is because when compared to other types of life insurance policies, term insurance is typically the most affordable option. Particularly when quoting 10 and 15-year term life policies. This is why it’s not all that surprising that we frequently […] Read more
When someone begins looking for a life insurance policy at the age of 80 or above, they usually want to purchase a final expense or burial life insurance policy. This way, when the inevitable happens, a small whole-life insurance policy will help their loved ones pay for the considerable expenses associated with even the most […] Read more
In this guide, we’ll explore the factors that influence life insurance rates, provide tips for finding the most affordable coverage, and dispel common misconceptions about cheap life insurance. So, whether you’re just starting your life insurance journey or you’re looking to save money on your current policy, this guide is an essential resource for finding […] Read more
Mortality Rates in New Hampshire New Hampshire Population: 1,359,711 (10th lowest) Population Density: 152.62 per square mile (20th most dense) Median Age: 43.1 (2nd oldest) Deaths Per Year: 12,744 Annual Deaths Per 100,000: 941.7 Life Expectancy at Birth: 79.1 Fertility Rate (births per 1,000 women age 15-44): 48.2 (2nd lowest rate) Leading Causes of Death […] Read more
Limited-pay life insurance is a great asset that is often used by those interested in infinite banking or using it for a life insurance retirement plan. One massive advantage of whole life insurance compared to other permanent life insurance products is fixed premiums. When you buy a policy, you know your premiums will never increase, […] Read more
While one could argue that it’s better to purchase a life insurance policy in your 20s and 30s (because the insurance may be cheaper at that age), we’ve found that the majority of the time, these younger applicants fail to have a proper understanding of what their life insurance needs are, and ultimately end up […] Read more
Life insurance is a crucial financial tool that provides peace of mind to individuals and their families. It can offer financial security to those left behind in the event of an unexpected death. Unfortunately, though, not everyone is able to obtain life insurance coverage. There are several reasons why an insurer may deny coverage, such […] Read more
When traditional life insurance companies keep saying “no,” it’s natural to feel frustrated and wonder if any coverage exists for people with serious health conditions. Perhaps you’ve been declined multiple times, or maybe you’re avoiding the application process entirely because you know your medical history will be a barrier. In some situations, this may be […] Read more
Make no mistake about it, there are a lot of good reasons why Select Quote has become one of the largest independent life insurance brokers in the country and it’s not only because they represent some of the best life insurance companies in the nation! In fact, we at IBUSA believe that their pioneering of […] Read more
