While Liberty Mutual offers life insurance, it’s important to note that the company doesn’t underwrite individual life insurance policies itself. Instead, they act as a referral service and send life insurance leads to another carrier, as we’ll explain further in our Liberty Mutual review. This means that Liberty Mutual may not be considered one of […] Read more
Chartered in Indiana in 1951 and now headquartered in Waco, Texas, American Income Life (“AIL”) is a financially strong life insurer that focuses on serving “working families.” AIL’s bread and butter is marketing life insurance to members of associations—especially labor unions and credit unions—though group membership is not generally a prerequisite for coverage. Compare over […] Read more
At IBUSA, we work with many of the top final expense insurance companies. Although we do not currently represent Great Western, we want to provide a comprehensive review for anyone looking for the best policy. It’s important to note that just because we don’t offer Great Western products doesn’t mean they aren’t a quality life […] Read more
Ranking among the best final expense insurance companies, Sons of Norway strives to help serve those who may struggle to qualify for a traditional term or whole life insurance policy due to a pre-existing medical condition. This is particularly true… For applicants who may not fall within the usual age requirements (45-80 years of age) that […] Read more
One of the best things about remaining an independent life insurance brokerage is that it allows us to work with companies like The Standard Life Insurance Company, which may not be well known but offers some great products for specific niche populations. Which, along with… A strong A rating with A.M. Best makes it one […] Read more
Yes, life insurance companies can and often will ask to see an applicant’s medical records before they will be willing to approve an applicant’s application. In fact, most (if not all) traditional life insurance policies will include a section within the written application explicitly asking for your permission to request medical records from your doctor(s) […] Read more
When it comes to finding the best life insurance policy for you or a loved one, it’s important to remember that while one insurance company may be the “best” fit for one person, that doesn’t necessarily mean that they’ll also be the “best” fit for someone else. This is because… Not everyone will have the same needs […] Read more
At IBUSA, our expertise lies in helping people find the right life insurance coverage quickly and easily, including indexed universal life (IUL) insurance. The good news is that with many insurance companies adopting no-exam policies, it’s possible to qualify for an IUL policy without needing to take an exam, which can be a relief for […] Read more
Life insurance is an essential component of financial planning for many individuals and families. It provides peace of mind by ensuring that loved ones will be taken care of financially in the event of the policyholder’s death. However, not everyone is able to qualify for traditional life insurance policies due to various factors such as […] Read more
Although Ameritas doesn’t currently offer no-medical-exam term life insurance policies, its strong financial reputation and excellent customer service consistently rank it as one of the best life insurance companies in the country. Therefore, we want to discuss some of this company’s pros and cons to help you determine whether applying for one of their products […] Read more
