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Instant Issue Life Insurance

An instant life insurance quote is an estimate of the premium you would pay for a life insurance policy based on the information you provide online. The quote is generated instantly without the need for a medical examination or consultation with an insurance agent. The information required for an instant life insurance quote typically includes […] Read more

🎯 Bottom Line Up Front Can you get life insurance with inflammatory bowel disease? YES. IBD patients can often secure standard to preferred rates when the condition is well-controlled, in remission, and managed without major complications or frequent hospitalizations. Inflammatory bowel disease (IBD) encompasses chronic inflammatory conditions of the digestive tract, primarily Crohn’s disease and […] Read more

40 year term life insurance rates

Here at IBUSA, we’ve found that usually, when someone decides to purchase a Life insurance policy for the first time, they’re typically thinking about buying a policy that’s going to last their entire life. What they don’t know is that policies that last one “whole life” are called Whole Life Insurance and are usually significantly […] Read more

universal life insurance pros and cons

Universal life insurance is a versatile financial product that offers both benefits and drawbacks to policyholders. As a form of permanent life insurance, it provides coverage for the entirety of an individual’s life, with a portion of the premiums going towards a cash value account. This cash value accumulates over time and can be used […] Read more

In this article, we want to take a moment and discuss some of the differences you’ll find between life insurance policies that will require you to take a medical exam vs. those that won’t. And since we here at IBUSA offer both “types” of life insurance policies, our goal isn’t going to be to try […] Read more

million dollars life insurance

A million-dollar life insurance policy often represents a practical solution for protecting significant financial obligations, from mortgages and business loans to children’s education costs and income replacement needs. Despite common perceptions about cost, many healthy applicants discover that $1 million in coverage is more affordable than expected, particularly with term life insurance. Based on current […] Read more

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

how long is term life insurance

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

life insurance over 80

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

When life insurance feels overwhelming due to high premiums or complex underwriting, a $5,000 policy emerges as an accessible starting point that many families overlook. While financial advisors often recommend coverage amounts equal to 10 times your annual income, this smaller policy size serves specific purposes that traditional advice doesn’t address – immediate funeral costs, […] Read more