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Denied Life Insurance

Life insurance companies play a crucial role in providing financial protection and peace of mind to individuals and their families. However, not all destinations are viewed favorably by these insurance providers. Several factors influence the preferences of life insurance companies when it comes to potential policyholders visiting certain countries. High-risk destinations, challenging regulatory environments, and […] 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

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

If you’re wondering how long you need to wait before you can reapply for life insurance, chances are your recent attempt to get insurance didn’t work out as you hoped. Perhaps it was denied, postponed, or approved at a much higher price than you expected. Now you’re wondering when you should give it another try. […] Read more

Typically, when one thinks about applying for a traditional term or whole life insurance policy (vs. a burial life insurance policy), the general expectation will be that one will qualify for the coverage or one won’t. And sure… There will be those that may be approved for coverage at a rate “other than” what they […] Read more

Here at IBUSA, we’ll often have clients give us a call after they have already had their first (and sometimes second) life insurance application declined or postponed. As a result, we’ve gained a lot of experience helping those who have had a difficult time qualifying for life insurance in the past. This is why… We […] Read more

Seeing how in 2021, more than 98,000 people died from an accidental overdose in America alone, it’s no wonder what was once an uncommon question asked by an individual now becomes a “somewhat” common topic. Particularly when someone is looking to purchase a life insurance policy on another person! This is why… We wanted to […] Read more

Nowadays, it seems that every time you turn on the TV or radio, you are bombarded with commercials promoting the ease and affordability of obtaining a traditional term life insurance policy, with or without a medical exam. While these commercials are not necessarily false, they do tend to overlook one inconvenient truth about a significant […] Read more

Seeing how every year nearly 1 million drivers are arrested under the influence, it’s not all that difficult to imagine why we here at IBUSA get so many folks calling us asking… “If their previous DUI is going to prevent them from being able to qualify for a traditional term or whole life insurance policy?” […] Read more

As we all know, life insurance can be an essential tool for securing your financial future and the well-being of your loved ones. However, the thought of applying for coverage when faced with mental health issues can be overwhelming. Especially given the common belief that any mental illness can automatically disqualify you from life insurance. […] Read more